You need to report this type of behavior to establish a pattern (if there is one). 

@Jake Yuskaitis Can you articulate the circumstances or fact pattern where the charging order protections will become relevant?

In your fact pattern ($300 Box 1 income, -$2,000 rental loss), the proper MA treatment would normally be:- Net zero current year taxable income in MA- ~$1,700 suspended passive loss carryforward to MASo if TurboTax is limiting your MA allowable loss to $15 because it’s blending in other states’ K-1s, that’s not consistent with how MA expects the form to be prepared.

I followed the same pattern exiting 40 C-grade properties for half as many B-grade plus cash left over to buy and renovate our real estate office and build a dream home on the footprint of our 100+ yr old farmhouse (on LaPlante Rd of course).So yeah, where I live full time...tear down and build something amazing.

A good PM should track these tenants closely, communicate patterns to you, and advise if/when it’s time to escalate toward stronger action.

I see the same pattern with my own finances as an investor.I just asked ChatGPT to run an economic simulation based on ourcurrent economic model and went down a rabbit hole: a capitalist system becomes unstable when the Gini coefficient reaches 0.6 (a measure for wealth inequality) - that's when you see social unrest, because most of the capital has been so concentrated with a few, that there is simply nothing left for the population to own.

One thing I’d add is that if the late payment isn’t putting you in a financial bind, it might be worth viewing the late fee as a kind of “bonus rent” as long as the tenant stays consistent and doesn’t start slipping further.If the pattern is bothering you enough to consider changes, a structured late fee (like a flat fee plus daily charges) or even a rent increase with clear communication might help prompt a change.

As you look for your first investment, consider starting with a property type that aligns with your skill set, like a value-add single-family or small multifamily project in your area.The Lake of the Ozarks has unique opportunities, especially if you focus on demand patterns between seasonal and year-round renters.

Meanwhile, my carpenter can pick up stock laminate, already miter cut and install in 30 minutes.Pro-tip: we use relativley monochromatic patterns that don't try to hard to look like marble with a lot of "movement" - those are the patterns that look very fake.

It's a medium grey/tan color that blends well with different color patterns.