If you're personally guaranteeing it, the lender can decide to report.  

Pass guarantee

If you are dealing with an addition built on 12" beams (or if the original foundation is old and not built to current standards), the repair company might not be able to push the piers down to refusal depth or psi due to the beam not taking the load, thus leveling it, but not guaranteeing it will not continue to move in the future, thus not providing warranty.9.

Sue,You asked me the very same question in another post :) Like I said, anything is possible but nothing is guaranteed. 

Are you offering a personal guarantee such that the lender can sue for your personal assets if foreclosing on the property does not cover the debt? 

In that sense, payments are optional for the homeowner, but income is "guaranteed" for the investors in that they are sure to get either cash or an additional equity grant each year.Exit strategy: investors are paid their portion of the gross sale price when the homeowner sells or when the homeowner buys out investors. 

Also, after what happened to you, nobody will blame you for deciding to stay at home when it comes to real estate investing.Finally, there are no guarantees in life and, in spite of all the research I do, the precautions I take and the control I exert, the possibility always exist that I could be screwed over, like in any venture. 

@Terry DunlapHey Terry,I'm certainly no expert, and others can chime in here, but I think you'll find most REI's invest for cash flow first with appreciation just being icing on the cake since it's never guaranteed.

Have a solid lease and if you are renting to students, get parents to guarantee lease

Keep in mind none of these strategies are guaranteed to produce positive income.