I see that form 8582 can be used to record suspended passive losses for federal return - this is easy to do and also worth doing, as the federal tax due can be lowered by 15-20% of the losses. $10k in losses will reduce the federal tax due by $1.5-2k.However, the state tax due gets lowered by a very small amount by using passive losses to offset passive income as I assume state tax rate is quite low (I live in TX, so never worried about state tax) compared to long-term capital gains rate of 15-20%.

Our current society tells you to take shortcuts, which is why you end up with $75,000 in student loan debt, thinking it would somehow propel you to riches and glory faster.

I understand a mortgage is recorded, or A lien would be recorded.. but what exactly is the memo in the situation and how/why would it be filed?? 

Outside of that, track record and expertise are important to look at as well. 

Case studies and track record are good to get them interested, but they don't give a good picture about how you're currently approaching the market.Always keep a one-pager on an opportunity you're working.

Cash value life insurance is not something new, nor is it a gimmick, has a long track record to examine, and is something that could be a part of your wealth building puzzle. 

If that looks good, I do my own google check and also look at local court records just in case something was missed by the background check.

But, the treasurer and recorder say I have a clear title.

I would ask the title company to get the lien release and new lien drafted and executed and held by title to be recorded.

With regard to giving a tenant leeway, its very short sighted to evict a tenant with a VERY strong track record for a VERY small shortfall one month, especially when they have been communicative and given you what sounds like a reasonable explanation as to what is going on.