Many decided it's too hard, so they sat down under a tree and whined about not making any progress.

You decide when and for how much to sell the property.

Decide what is important to you and choose the custodian that offers it.

Decide what is important and what is not.

They still owe the back rent as evidenced by the fact that your resident gave you a credit card authorization.If CFPB doesn't have a solution, then you have to decide if going to small claims court is worth it.

Hi Paul,I'm in a very similar position as you and decided to shutdown 401k a year ago.

The good thing with that, assuming it is a good investment property, if that job doesn't work or you get transferred or you decide that you don't like that neighborhood for yourself then you just move to where you want to be and rent out the unit you were living in.

If you ever decide to go the STR route, mountain properties can do really well with the right management.

Set aside a very substantial legal defense fund if you decide to do these. 

I'll let you know what I decide for lending.