The first thing I would do is call your local code enforcement office/building department.

So how is the primary residence and/or occupancy requirement “enforced” for example where in the process does it come up for the buyer to prove that they intend to use it for primary residence?  

This is what I think I know:- The borrower can choose to pay off the note at any time (by selling the property or just paying off the loan with other funds), so it is important that the legal balance covers my investment and some profit- The borrower could file bankruptcy (can someone confirm that this will only cause delay, but not jeopardize ultimately collecting the legal balance of the note)- Most of these DOTs will have a rent assignment clause, so I could try to enforce that and collect rents from tenants (essentially manage the property) while I am holding the note and trying to foreclose.

I'm recently retired after a 30 year career in law enforcement.

i find it hard to see how this would be legal and enforceable. there must be more to it.

I also hope you got a personal guarantee and have advised your borrower that you intend to enforce it.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

For example, laminate and tape it to the back of each bedroom door, inside the upper cabinet closest to the refrigerator, in the laundry room, etc.Finally, inspect and enforce.

For collections in Southern California, try Sutton Law Center or California Judgment Enforcement.

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