Before the crash, Las Vegas and Miami were considered very strong areas with vibrant economies.  

In some states, like NC, the REC grants RE licenses to habitual felons convicted of white collar crimes...

There are two vibrant REIA groups that meet regularly.

If this tenant is habitually late on rent or fail to pay at all, he or she might make the same mistake again.

I have been dealing with habitual tenant who always pay rent late.

People use HELOCs and cash out refinance proceeds for this purpose all the time.As a one-off and not a habitual thing, and if it's someone you have an existing relationship with, most folks say you can be a private mortgage lender without any licensing stuff, but that is not strictly speaking my area of expertise, and of course you should speak with a lawyer before getting out of the bed in the morning, and certainly here too. 

Prices on these properties have been surging for years, deconversions in pretty much every once was "hipster"/now insanely popular area in Chicago, the hyper gentrification of every classic, ethnically vibrant, affordable neighborhood is old news.

The original roommate has caused much disruption here, between her alcoholism and related violent outbursts, to her drug use and threats, including calling the local police multiple times for a variety ridiculous things, all of which is documented, and more than once was told by the police she was becoming a habitual caller and a nuisance, then threatened with arrest.

I'm not an attorney, however, I am of the opinion that if you can prove habitual abuse of the system, there might be some recourse.

I do want a policy that will:provide me with a consistent action planencourage tenants to communicate problems before rent is due, encourage tenants to pay enough to stay "current," define and discourage  habitual late payments.