If the government doesn't do anything it could happen.  

I do not want to deal with LTR given government moratoriums and rent control.

The lien is registered with a government agency (at the county courthouse). 

It’s much riskier to not have a plan and be at the mercy of whatever government program they want you to survive under in the future .

Imagine if the government did not step in to bail out SVB and the associated speculative VC company deposits? 

Unless you're well-versed in the law governing correspondence between debtor and creditor, I strongly advise against initiating communication yourself.As an example, if you send an email that lacks a disclaimer or in any manner violates, or might violate the law, you will be liable for that correspondence.

ANd to also add fuel to the fire, the Fed government recently inflicted a country-wide policy that any potential borrowers need to qualify for their locked in interest rate, plus 2%, this was put in place to cool the runaway RE prices in certain parts of the country, namely Toronto and Vancouver. 

There are plenty of sites ran privately and by our government that gives you city data.

Every building in Waikiki is governed by their own owners associations, and a big majority of these associations actually despise short term or vacation rentals in their respective buildings.

:cool: There's the one rule that should govern your entire financial life.