I do not, nor have I ever, liked to accrue a lot of debt.

Interest still accrues and some will require a lump-sum payment anyway.   

It's an amortized schedule, if you keep the loan that loan you will accrue a ton of interest.  

But I like your idea of an incentive to use the system- carrot rather than stick - because the late fee disincentive which she has already accrued doesn't seem to change over her behavior. 

Just out of curiosity...

WHich brokerage are you with out of curiosity?

One more question:  Besides the amount I would pay at the auction sale, how can I find out the amount of taxes owed post-judgement that could possibly be accruing?

They have dreams and desires like the rest of us, to own homes, to accrue equity.

Btw, what calculator do you use, out of curiosity?

I call it a solid double.At the time I was dealing with an eviction and our family was moving CONUS to Honduras (relocated for work), so I was able to use part of my W2 income to weather that storm while also putting my accrued funds to work.