You keep the lien until you either:A. get your initial investment back plus the interest you've earned or B. until the repayment time expires without full payment.

Landlords are having to find different and unique uses to lease their space, and a lot of the time these retailers can't pay significant rents.

In CH7, that is liquidation of assets and usually because they owe more than they are worth in assets, and it's not a stretched out repayment plan (like CH13).

We have a unique culture like all communities.

Although each deal is unique, I've been starting to demand a personal guarantees tied to costs that go above and beyond "value adders"

you just have to offer enough so that it pays off the mortgages..not saying these deals are impossible to find, but they are few and far between...most leads that call you will be overleveraged and underwater (shortsale situations)...there will be some where you will have to be creative, as in sub2, owner finance, etc...then finally, there will be a few hopefully that don't owe a lot, but have a ton of equity, and don't want the hassle of fixing up the property to cash in on the equity, or listing with a realtor...again, it will take a lot of leads to find this unique seller..good luck!

Later once the market rebounds, you can sell it and repay the mortgage.

The look for any unique features of the home or location that would justify a price over the average.

Jon pretty much hit on it, but just to call it out directly -- you're telling us that you're cheating the IRS out of $23K, but you expect a private investor to loan you money and trust you'll repay it?

It won't be unique to LL/Tenant, but be covered in general business requirements similar to any business that has confidential information.