For ex, You can use the cash value in the policy, pay yourself back w/ the rental income, lump sum when you sell, surrender the policy.

Roughly 4 dozen volunteer surrenders, a handful of judgements. 0 uncollected rents/funds.     

Here, a tenant has not legally surrendered the unit until they hand over the keys to you, despite your contract with them being expired.  

Just type some type of letter reminding them of the last day when they have to surrender the keys.

I would charge them rent for the entire month of February if they were not out.In the future, consider a lease clause like this:TENANT HOLDOVER: If you or any occupants that were allowed access by you remain in possession of the Premises after the termination of this lease, you agree to pay a holdover fee at the daily rental rate (current monthly rent divided by 30) plus $10 for each day the rental unit is not legally surrendered.

I know in Colorado 91 days notice of date to surrender unit  is required to terminate lease if any notice is required by lease.

If Tenant(s) abandon or surrender the premises at anytime and leaves personal property there, Agent may dispose of it however Agent chooses, and Tenant shall reimburse Agent for all costs incurred in that regard.Full-disclosure that I have yet to be in a situation where I've needed to enforce that, so TBD how it plays out in practice.

The mortgage - note holder must surrender the title to the Dept. of revenue in order to attach the MH to the land nowdays.

You're surrendering power to an agency that asks you to jump and your answer is how high.

That's fertile ground for mass surrender and defections.