I love the place, I've been renting out the units and getting steady income just as they were designed to do.

Seems like you could very easily come out wasting thousands before even having a set plan in place.

I believe it is a lender that is going to reach out to you. 

I encourage you to check out the link I posted above for more info.  

Too far out?

I'll check out Obie Insurance.

IE if you are wanting to wholesale which I don;t reco today, its too hard, you want a list of high equity owners BUT BUT the value is in figuring out a source of stress, a reason why the owner is on the virge of wanting to sell. 

@Jim Bouchard agreed with everyone just normal wear and tear, it happens. we just leased a brand new construction home and they've had like 4 things we've had to send someone out for (luckily all under warranty), but sometimes that stuff just happens.

The city is growing and the macroeconomics is great - lots of job growth and population growth and major tech companies moving out here and developing like Intel, Google, Amazon, Meta, etc.

If you did not and it’s unsecured debt you could be out of luck on some or all of the money as depending on his situation unsecured creditors in a bk may receive pennies on the dollar depending on what he can afford and if converted to a ch 7 you would get wiped out.Even in 2nd position he could argue the property is underwater and wipe out your lien.