Most people don't want an eviction, its hard to find housing if you do have the blemish on your record.

Also in CA after 20 years no big blemish's once you turn 70 you no longer have to do CE.. so I am about there :)   I also have my State of Oregon mortgage originator license and there is an add on that I took right after the dodd frank required NMLS were with the one licnese I am basically grandfathered into all the states without take the test..

Often on a walkthrough they distract you to seek out the cosmetic blemishes by handing you a roll of painters tape.

When I reviewed her report I noticed that this account had been open for over 6 years and this was her first blemish.

For an investor, there's all sorts of crap that can go wrong when buying a property - Unknown condition issues, title blemishes, crazy sellers that don't move, drug raids, and so on.

A claims adjuster will likely be on your side for all the reasons you mentioned above, but a crappy thing that can often happen is--you need your roof fixed, your insurance carrier wants to help you so they decide they will pay your claim, then pursue subrogation with your neighbor's carrier...x,y or z happens, the subrogation is delayed, the other carrier has a better attorney...whatever, next thing you know, you are stuck with the claim on your record costing you increased premiums for insurance (in potentially multiple ways-auto, rental properties, umbrella...etc) and waiting (indefinitely) for the point/blemish to be wiped.  

He can leave you by October 31, leaving the unit clean and undamaged, and he will get his deposit back the day he moves out, and leave without a blemish on his rental record. 

Do not pay the collection... that can be seen as an assumption of liability and a paid collection is still a huge blemish on your credit. 

Also, engaging a mortgage broker now will also allow you time to fix any blemishes on your credit. 

So we started with my sons credit as he had a couple older blemishes on his record and were sent to Kayden Credit Repair( as an extra fee) but that was terrible working with them as we had a lady that would not do anything in a timely manner and after six weeks of nothing, I started complaining to Fund N Grow and demanded my money back or work to be done.