They do try to go after the Tenant to recover what they've spent, but they don't have direct access to tenant funds.Obligo is a "billing authorization" which means the Tenant gives them access to a bank account and a credit card.

Despite mortgage rates being double what they were two years ago, the overall borrowing environment remains favorable for state and local entities.Key initiatives driving this surge include efforts by entities like the Michigan State Housing Development Authority, which recently launched a $425 million bond sale aimed at providing affordable mortgages to over 2,700 families.

At the time Brokers ( me) did not have the authority to manage these..

What would matter is that you specifically did NOT have the local authority approve it. 

Which can be very personal.Anyhow, I definitely had my reservations about what they did at first... and I actually sat and waited for them to do anything for a month while they waited for me to "fix" my credit (moving money between different cards and removing myself as an authorized user on certain accounts). 

Best thing to do is to call the local housing authority and they can explain some numbers for you and the process (assuming you can get ahold of them).You could always just post the numbers here or in the proper forum and double check it.

I would recommend the book “First to a Million" by BiggerPockets author -@Dan Sheeks / My buddy @Noah Bacon was a real estate agent (maybe still is) turned house-hacker!  

What I'm getting from anyone that I ask is really a lot of opinions that aren't backed up by any rules, laws, etc. that actually give the agents/broker authority to do this.

In fact, they should be reported to the authorities for what I consider criminal behavior and at minimum for bait and switch practices and failure to properly disclose.

The property tax cannot increase more than his even if the property value increases 5 times (I have properties that have increased 500% that have property tax based on values that are less than 1/3 of their current value).As for a jurisdiction mandating converting a JADU back to SFR upon owner move out I believe this is outside the jurisdiction’s authority.