Tell me how a landlord passing judgement, on someone who has a doctors note, saying that they don't believe they need it, is any different.   

Luckily in today’s market he can probably sell and go back to renting or buying something cheaper or outside of an Hoa  If that doesn’t work and If he doesn’t plan to buy another house and doesn’t need good credit at 88 he could just stop making any payments and save that money up for rent, I assume he’s pretty much judgement proof.

And herein lies the problem... how do you file an appeal if there was never a lower court filing or judgement to appeal?

I might suggest too, that landlords do a quick monthly check of court dockets, findings and judgements concerning tenant/landlord disputes as they are handled in your area; it shouldn't be hard today with courts being online.Sometimes, a residential lease agreement simply puts a psychological seed in the minds of the parties to govern their relationship, there can be many valid reasons for either party to seek relief from the intended obligation under contracts. 

Have you ever been able to collect money through garnishments, judgements, or law enforcement assistance?

Dan,Lender are required to pay off or settle any lien or judgement on title unless you have a payment agreement and they offer a subordination. 

In that case, wouldn't a guarantor would still be on the hook for the remainder of the loan, regardless of if it was foreclosed on or if it were taken in the judgement of a lawsuit ?

So at the end of the day you need to make a personal judgement call on what you are willing to exchange for in order to part with your capital and put it at risk.

Probably most would never tell me, but with the pandemic moratorium, anyone who stopped paying rent would not have a judgement against them yet, and even if they had, it wouldn't show up on their records for a few months while governments are slow to get caught up.

Sure, someone could have accumulated some medical bills that adversely affected their credit, but if there are a series of late credit card/car payments, judgements, etc., is that someone you'd really want to rent to?