My guess is that it's a combination of issues, lack of or inadequate insulation, leaky windows, gaps between the foundation and the crawl space, and possibly issues with the venting.One last tip, I recommend you put a thermometer in the basement to monitor the basement temp.  

I was in my office in San Mateo and my computer monitor flew off my desk during the big one. !

First, have you looked into a noise monitor for the front and back yards? 

I realize that there are various market monitors like housing alerts out there but wanted to see if I can come up with something equally good - but free to poke around.  

A normal breaker will not trip in this situation, as it is not design to monitor for this problem.

We've been monitoring it closely and working with the leadership in our HOA to ensure everyone's concerns are addressed, without affecting our ability to run our business. 

Here are just some examples:Loan collection reportsAll telephone collections must be recorded and kept on file, a monitoring program and training must be in place.Toll free numbers, payment books or EFT arrangements made, notices of changes of payment or address at 90 days, active accounts with contact information are confidential requiring security measures, accounting software must be verified compliant, there must be a loan resolution program in place dictating how and when complaints are transmitted, issues addressed within the required time frame, offers of any modification noted such as allowing a few more days to pay without penalty is a modification, must be recorded and portfolio servicing records must be on file in good form for examination, I could go on.....There is the law and there are matters absent of requirements or exemptions and there is then reality, you're right, third party servicers are not required for small lenders, compliance with servicing requirements are.

There's usually some good locals that monitor that forum that should be able to help.  

If Cabo gets a better GPS option in the future that will alleviate a lot of those issues, until then do it ourselves or PM. 

If you're willing to throw a wide net & monitor AS-IS sales you'll find deals in the burbs.