Laytonian,
Yes,so he did have a plan to get caught up on his rent by January. But,how do you think the driving around ties in to the last time he was seen in Anthem ?
I think the person he was meeting in Anthem told him to park away from their house so that his car wouldn't be sitting outside their house,or in their driveway, for x number of days. He,or they, might have told Steven to park where he did because the "HOA does not like at home businesses to be too visible". He would probably have gone for that.They might have planned to murder him from the beginning. JMO
The driving to Anthem would be part of the "driving around".
I'm not convinced he had an appointment IN Anthem; to me, it's more logical that he was directed to park there, so that someone else could pick him up.
If he went to an Anthem home, whose? The only option I can think of, is someone who was housesitting for one of the residents.