@Dominic Mazzarella Not sure what happened to the lengthy response I wrote out - i'll try to re-summarize it here. 

I have two interests.One is a mixed use building in the core or downtown, but as a remote investor, concerned about lengthy vacancies.The second is a long term play.

I know PA has a process to go through before you start a foreclosure, but have never seen a requirement to offer a mod.Sure, https://legal-info.lawyers.com/bankruptcy/foreclosures/delay...Under the Dodd-Frank Act, the bank must first wait until the payment is more than 120 days overdue."

The situation is a little lengthy, but hear me out..I am purchasing my childhood home from my mother (my deceased father's rental prop) seller finance.

(This is the tip of the iceberg; I would prefer to chat with members than fire lengthy messages back and forth.)1.

With different municipalities I am expecting this to be a bit more lengthy for us. 

There is a very lengthy post about them on BP and reddit.

Personally, I follow this standard for every application I receive:- Income of at least 3 times the monthly rent (verified through the employer)- Credit score of 580+- Rental verification with past landlords (no outstanding balances, no late payments, and the property left in acceptable condition)- No history of collections, evictions, or criminal offenses- No overdue debt (except medical debt)This process has helped me place quality tenants over the years.

It's lengthy and of course, they can pick and choose what to read or jump around to what they want to learn. 

Hi all,After lengthy conversations with our hired prop mgmt company, I'm coming to this group for more guidance.Location: Denver, COProperty: LTR ending July 2025.