I have worked in real estate debt since graduating in 2021, so I have solid (but not expert level by any means) experience with underwriting multifamily properties. 

If they are billed separately, the charges may fall into Fair Debt Collection Practices Act laws.

Recently after some medical issues(I’m all good now) I’ve exhausted all my reserve funds and have 50k in high interest debt.

#s: value: $440k each, total debt: $310k each (incl. arrears), prop taxes/mo: $500, insurance/mo: $25, common charges/mo: $380, rents/mo: $2700 & $2250Pls feel free w/ any solutions / input / ideas.TxDave

That’s 850K worth of debt.

Your lender will have the exact details.If the current leases don't align with your timeline for moving in, another option is to explore a DSCR (Debt Service Coverage Ratio) loan or a traditional investment loan.

There's no real right of possession for public property in any state that I know of, and in most places they can remove your items without compensation and forebidding their return. 

Inflation will cause rent to go up and if your debt against the property is based on fix rate, your odds will only get better.

At that time the lender gave you a fixed loan for a certain period of time with so much down and a certain amortization schedule.The debt service coverage ratio example.At DSCR of 1.25 means for every dollar of mortgage payment the NOI can cover 125%Your current lender back in the day might have done say for example a 1.10 DSCR ratio because absolute NNN and investment grade so perceived risk to them was low.

From a lenders viewpoint, we consider "co-signers" to actually be co-borrowers or co-guarantors having full liability for the debt as a guarantor.