I’m sure that lender knows it’s a rental.
The statements are probably sent to a diff address.
In many cases today, when people refer to the “lender”, it’s actually just a servicing company.
The paper on this ARM was probably sold off on Wall St.
The servicing company collects the payments and files NOD’s etc. It’s a boring job these days, but it’s job security.
When “short sale” offers are submitted, nobody jumps at them. They can sit around for weeks without an answer.
It’s not a priority, although you’d think it would be.
Presenting a SS offer with a 48 hour deadline probably goes into the trash pile.
There are entry level people in some positions that just shuffle files around. They don’t have the authority to make a decision.
I still wonder why they are called SHORT SALES. The IRS calles it “Debt Relief”
Short Sales only refer to stock market shorts in the outside world.
