I'm not too familiar with that area but it doesn't appear to be a major growth city.

@Jay Hinrichs we use FCI who is licensed in every state for servicing@Chad Urbshott I checked and OH is appears it is not required: https://www.collectionlicenses.com/ohio-collection-licensing/

Time ran out so I filed with the court and sheriffs office.

Some lenders have "float downs," but typically these are lenders with high "starting" rates to begin with, they're just cutting into excess profit they normally collect, it's not actually a float down even though it appears that your pricing gets better.So if you're getting a good rate, expect not to be able to float it down.

While I prefer coastal cities such as the ones you mentioned, I was also considering Cuenca and Guayaquil as well since they appear to be pretty popular cities to live in and tourism.

In some neighborhoods, owners don't control changing the exterior appearance of their own property.

Currently 14 pads owner occupied and an additional going thru courts to be obtained by owner for abandonment.  

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There was a recent post here about a guy complaining about how much his property manager charges to send a letter, $45, 20-some posters chimed in that it was crazy and a rip-off, and then finally one of the most experienced property managers here explained that the price charged really involved personally sending certified mail from the post office, actually scheduling a trip involving the inevitable waiting period for getting it done, tracking the return receipt, logging all the information for use later in court if necessary.

In this state (ohio) one has to file for a writ of possession (different from writ of detainer) with the foreclosure court case instead of a new civil eviction case.