Most take near a year in southern Ca, but you hear of exceptions in both directions on that timeline.What some developers are doing here is leveraging the affordability issue and getting permission to build additional ADUs by designating some as affordable or semi affordable units.  

One of the biggest issues is probably borrower default—whether due to mismanagement, market downturns, or unforeseen circumstances, lenders can end up in long, costly recovery processes.

Additionally, most servicers will provide the tax documents needed at end of year (1099-INT, 1098-INT) and can also issue notices of NSF, late payments and support delinquency /default.

I self manage my few properties and have not had any issues at all with the City of Indianapolis. 

just a question - does '1 hour to resolve complaint' actually mean resolution of the issue? 

They seem to have a good team but this is something not thought out it seems , in their support I do have DSTs which have had the same issue and have not been making payments. 

She went through a couple brain surgeries and major post issues.

An other advantage of paying with credit card may be that you will not have to send the provider a 1098 tax form (only an issue if the total yearly amount is over $800). 

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.

But if you are saying that is always breaking or giving you issues, I know that can be a make or break.