If you fight the charge mandatory is 2.5 years.   

here's my track record: duplex, SFH, duplex, 13-unit with partner. the first 3 properties i bought alone. my partner had only previously bought a triplex and SFH. we did not have any issues with the lender thinking we were inexperienced. in fact we got an amazing rate and our broker had 2 lenders fighting over the loan!

They get expensive if the homeowner "fights" their foreclosure. 

I have no dog in this fight as far as texting goes, just surprised at all the soap box preaching. 

I have no dog in this fight...

Thanks, he says it's up to me to decide whether to fight or walk.

Unlike with the many weed stores, this is not whack-a-mole or needle in a haystack because each OTA has to report and is financially liable.Booking.com and VRBO made it clear they weren't interested in fighting or getting fines and insisted hosts register or delist.Airbnb has instituted hosts, and now people are seeing a dialogue saying they must enter a registration number to continue (currently it has an option to "skip for now"). 

I guess my bad tenant experience was a 'walk in the park' compared to horror stories people have...What angered me the most was that there are legal organizations and actual lawyers are out there who educate bad tenants how to fight evictions and work the system.

They could happen in war zone areas but more intelligent people than myself have the brain power, patience and capacity to fight that battle.

Its just not worth the hassle in a case like this to stick to the legal requirements and fight the battle that will insure.