If you are seeking out asset accumulation and equity appreciation over the long term then there are certainly fortunes to be made.

I am seeking advice on the best strategies for collecting delinquent payments.

You said she has been pain Or something to that effect.

For those without MLS access, Zillow, Redfin, Trulia, and Realtor.com should get you the info you are seeking unless you live in a non-disclosure state, as home sale price is not public record in such states.

If I do…what questions and information should I seek from the current owner?

Loan amount 265k w/ 20 % DP  Seeking a lender if anybody knows of one.

Seeking high returns for low effort and risk is low likelihood.

I've been sick for the past 12 weeks with a sciatica pain that is the worse pain a person can imagine 24/7 for the past 12 weeks.

It was extra difficult this year due to moving, selling houses, buying houses, starting the STRs, lots of remodel expenses (standard vs Cap) Gawd what a pain.

If government fails to do so (which they often fail to do) it is inappropriate illegal and unconstitutional to blame investment property owners & to seek to tax and regulate those private property owners to protect the "housing supply".