One would think a tenant with an ounce of brains would change their habits with the first violation.You need to get rid of this tenant. 

There is no refund if you change your mind.

Very, very successful.I sent out beige "invitation" envelopes and "hand written" letters (used a computer with a "hand written font" for months - about 200 a week - lots of calls - bought some properties, over all successful but time consumingThis is over the years, so messages changed with the real estate climate and list.List, message, mailing piece.

Paying it down faster doesn't change your payment.I recommend you speak with your lender so they can explain this to you.

Looking forward to hearing your thoughts Let’s make 2025 the year we all adapt and thrive in this ever changing market!

This habit alone changed the game for me—I no longer have a mountain of data entry in March. 

We need a lobbyist to address and push for change.

A few thoughts on the subject from someone who made a living doing this until the laws changed on the West Coast.Most folks in foreclosure go into deep denial.

For example, Schwab, massive changes including what I consider bonkers high interest rates.

There is a lot more state regulations and lending laws change when 5 units or great.