(Doing your homework ahead of time will have another benefit in that it will make your possible sale/1031 exchange much more smooth if you don't have to fight the 45-day deadline to find new property)

Bond market doesn't believe FED is fighting inflation enough, so rates rising, 'cause both core CPI and super core PCE, monthly numbers are rising since September, Yellin gave us mild reprieve with Quarterly Refunding announcement on Nov 1st when she shifted issuance to more Bills than Bonds, but now they are being forced back to more balanced issuance, more Bonds, so rising 10 yr rate again.

I can't say I've kept up with things the last few years, but I sadly found I was fighting a losing battle and ended up caving and giving up my license. 

@Craig Anderson RaymondAs jd mentioned the answer is no.You should have used a licensed servicer to handle this as if you foreclose and they get an attorney to fight you good luck as they can argue many thingsBut to answer the question if someone is behind then no it does not go to current paymentUsing monthly payments as easier exampleIf they are six months behind they would be do November 1, 2023.

It's a scarcity play, I am a bit amused when I hear people still fight this argument.

Large and small builders depending on the states are already fighting other regulations, so this easies their bottom line even more.

Copies of leases & all amendments (anything verbal will not carry over - if a tenant fights it, then you negotiate a new agreement with them or they leave - Never make verbal agreements with your residents)2.

Owner hired an attorney to fight the city and lost.

Although I'm not sure if localities will fight it or not abide... 

I know NJ is tough on landlord laws but looks like in this case we may have actually some grounds to fight it.