I haven't seen any statistics to this effect and I don't think any has necessarily been compiled but I bet I wouldn't exaggerate if I state that 95% of the value of real estate in Southern Spain or at least the province of Andalucia is in the Costa del Sol.

If it's on your credit, you are on the hook for it.However, it shouldn't effect the loan process too much, a simple Letter Of Explanation should be able to get the job done with the correct investor. 

Looking for a house we could house hack, had an incredibly low interest rate on mortgage and house has increased in value about 42%, an estimated 180k in equity.

Stessa is not perfect but I like the capability, love the %5 interest rate on my associate account and have found the support honest and effective.  

It may surprise people to know that a deed does not need to be notarized to be effective, since notarization is required to make a deed recordable, not effective. 

Being a broker myself, I can attest to the incredible value you can bring to clients by understanding not only the brokering side of things, but the application of those funds. 

Does anyone have a recommendation of a national collection agency that is effective?

How keep it legal of course but more importantly how to do if effectively.

If you acquire one new property each year, you could significantly increase your wealth and potentially position yourself to qualify for larger investments, like apartment buildings or construction loans, within 10 years.I’ve worked with clients who have successfully implemented this strategy, and it has proven to be an effective path to building long-term financial freedom through real estate.Good luck with your decision!

Luckily mine was zoned commercial and so the regulation didn't effect me and actually helped as it greatly reduced the supply in the market.