But we manage a lot of units and unfortunately cannot possibly manage 70+ units with free software!

Then I see what they say.Normally two circumstances:1. 

If the circumstances don't match what the borrower is claiming, the loan will likely be denied.

Unfortunately, they haven't had much success when they actually go into court trying to enforce it.

Each of these things can be worked on and in a few months of consistent and persistent action, you can see a gradual change in your situation.Don't let current circumstances paralyze you.As far action steps:- Research and strongly consider the househacking strategy.

Unfortunately, you may have a hard time enforcing anything about "guests" unless policy/procedures are outlined in your lease.  

It is delinquent enough (Greater than 90 days but below 120 days(can't file first legal until after the 120th day by federal rule (Except under very very specific circumstances)) to where the lender or servicer has sent the breach letter (Notice of pending foreclosure) with an expiration date that the loan will be referred to a foreclosure filing (Trustee/attorney) if the borrower(s) don't cure the breach within that defined period of time.* A notice of default is not a letter sent by a creditor saying they are late.

You need to be extremely thorough with your scope of work, and unfortunately the sun porch was not salvageable, but fortunately the contractor helped knock it out of the park and the home looks amazing now!

Quote from @Evan Polaski: @Brian Burke, you bring up a good point, but also, unfortunately, this is all grey area.

I had put in for extenuating circumstances form several time and never received a response.