I can still faintly hear footsteps when in the basement bedroom, but all music/tv noise is blocked out.

There are 2 types of judicial foreclosures for voluntary, purchase money security instruments (like promissory notes) against real property: 1) a full suit under the normal rules of civil procedure, and 2) a quasi-judicial foreclosure process initiated under rules 735 and 736 of the Texas Rules of Civil Procedure. 

Maybe a separate thread would be helpful on hedging the interest rate risk of an ARM (i.e. converting the ARM to a FRM using financial instruments), in cases where you're stuck using an ARM because you're funding with a local bank, or one of the other reasons cited.Options that come to mind for a retail investor:1) Short intereste rate futures2) Short a short-duration (1-2 year) bond ETFProblems: hedges don't line up perfectly, might need cash on hand if rates actually move down, cash flow mismatch, etc.Anyone had luck with these approaches.

I see you're a music producer.

To me, they were more instrumental in giving me “the team”, mind you at a slightly higher premium of course.

I'm glad you're comparing these to financial instruments, if you buy the right location (car counts, store volume, recent building layout) you can minimize a lot of the risk from tenant defaulting.

Do you care which instrument they play?

I would politely disagree with @Jeffrey De Los Santos as I think Allentown is the best place to live for the same reasons especially now that music and Celtic fest is canceled.

I’ve been reading books, put on BP Podcast instead of Music in the car, deleted Instagram and swapped mIndless scrolling for educational YouTube, online brokerage viewing, BP, etc. 

You do have the right to continue pursuing foreclosure of the security instrument (mortgage) however at a 40% LTV there are likely to be other bidders.As for someone else giving you a deed-in-lieu, well, that probably won't happen either.