Either I offer what is on the loan balance, just to pay their loan off, and then cover their bills and just give owner 1k check, or I calculate purhcase price where it will be enought to pay bills, pay taxes owed, pay excise tax, title fees and will have 1k left to owner.

I know for state excise tax escrow pays the state out of the proceeds.

However, HUD continues to categorize Emotional Support Animals as Service Animals and has levied huge fines on some landlords that have not allowed ESAs on their property.Landlords have been screaming for relief so HUD recently published these guidelines which provide some help.https://www.hud.gov/sites/dfil...

And if their creditors got judgments, that money is not safe in the bank, because it can be levied.  

It does not make any sense.As for the tech industry, one of the risks is that the European Union levies a tax on them, the so-called "Google Tax". 

Nobody likes working for a cheapskate and whether you actually are or not the people you hire will act on their perceptions.What would be interesting for a landlord like me would be if the PM wanted to levy a late fee  as it would be contrary to my policy of having them in the contract but not levying them.

@Levi PainterThere are no absolutes, but generally the nicer a property is, the better your tenants will be.

For instance, if they've ever written you a check, then you know where they bank and can levy their bank account. 

So, now you can sue her for breach of contract.Get a judgment, and then look into garnishing wages and levying bank accounts.  

If you use the court system, and you get a judgment, then you can garnish wages, levy bank statements, and a judgment will keep them from being able to get a mortgage, etc.