I would look to cut down on the Realtor/marketing cost by becoming a Realtor and going with a broker who does (at least) 70/30 your favor.

You want to always stack the cards in your favor.

The tax consequences could be very favorable.

Incurring all these unnecessary fees for the foreclosure, relief from BK stay, and filing responsive pleadings to whatever dilatory foreclosure defense motions you file will do nothing but add to the priority debt owed to the HOA.

For instance, college students typically are on a tight budget and tend to favor lower rents as opposed to nicely renovated apartments.

o California Civil Code Section 1542 - A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor.I would also accept any other advice that anyone has on my current situation.

if they cash the check the lease will be implied and if it goes to court there will be nothing in writing stating what the new rent is adn the court will rule in favor of the tenant.

Greetings:I hope all is well and circumstances are favorable.

You may get a favorable conclusion with that lender by stating your case to them and letting them know that you will be disputing the information to the credit agencies and they can handle the response by simply not responding.  

@Curtis Collins Belize is certainly worth considering, as there is significant development taking place, a strong tourism industry, favorable ownership laws and all around beautiful country.