As others have commented, this is a scenario where you will have most luck with a private individual lender or some other local financing - just too small for pretty much all the national platform hard money lenders

@Randall Ayers By coincidence I was at a market update meeting this afternoon and a presenter was a hard money lender in Arizona and...wait for it...Colorado.

I can’t comment on Destin but I’m in Marco Island.

If the default is not cured ten days after notice, Borrower and each surety, endorser, and guarantor waive all demand for payment, presentation for payment, notice of intention to accelerate maturity, notice of acceleration of maturity, protest, and notice of protest, to the extent permitted by law, and rights under sections 51.003, 51.004 and 51.005 of the Texas Property Code.

The other way to lower PITIA is to get a lower insurance quote but this is marginal since most insurance carriers are all priced to market efficiently (insurance accuraries have low margin of error or variability).Stated the problem and the solution to your FHA inquiries, any thoughts questions comments, lets goooo....

While all the posts have at lease some legitimate points, I personally believe camp 1 is missing the opportunities present to protect assets under US law mostly because they don’t either understand asset protection, or don’t want to bother with it, so rather than do a proper evaluation they dismiss it as something that won’t work to justify their unwillingness to entertain the idea.Camp 2 is deluding themselves - which delusion has been enhanced by charlatans writing books, giving seminars, and selling packaged plans all of which either attempt to hide your assets or hide the ownership of your assets.  

Any comments/feedback/suggestions would be helpful.

It’s now mid-November.After double-digit requests through phone/voicemail to almost every phone number option in the menu, emails, messages onto their web site, Facebook messages and comments, I had to initiate a chargeback. 

He wanted me to sell the property for him, I knew it was paid off and I knew he didn't need the cash since I just sold a property for him a few months ago, so I presented the idea to him.

Quote from @Sandra Ho: Thank you everyone for your comments!