Any specific area you see booming right now neighborhood wise that you think I should keep a specific eye on?

Since the debt is forgiven you have no recourse to collect or report it as a collectable item for other landlords to see. 

Some of my big questions are around the Cleveland economy and my lack of local knowledge:Is this recent boom in Cleveland housing and rental demand driven primarily by the booming oil business? 

Hey all,Born and raised in beautiful Bozeman, MT, I've seen this small town boom and become a hot market with high-value homes.

LOL - he used a form letter for credit repair and didn't even know that the FDCPA (fair debt collection practices act) is for debt collectors, who are not the original creditors, but have bought or were assigned the debt. 

I'm trying to post and explosion/boom GIF and not having any luck. : (

Hard money  Boom

Basically properties are so overpriced in Spain that in order to obtain a positive yield using debt (leverage) one has to buy the property at:1 - A court auction (this is painfully slow - and I mean years waiting - and on top of that the property has to be paid in full cash - no financing available by banks).2 - Marginal neighbourhoods and run down areas where most people dont want to live. 3 - Luxury properties that only can cash flow when the real estate market is booming, and sometimes for a limited period of the year like summer season, or main holidays.

  " I don't see anything like that on the horizon for Cleveland in the near future. "   Well Cleveland is booming and has been for 10 years.

I'm a novice investor and purchased a short-term rental property in a pandemic boom town in 2022 that is losing money and I'm debating to sell it for a loss, or holding onto it while continuing to accrue negative cash flow.