This is incredibly common in Philadelphia's market if you don't invest in the correct neighborhoods.  

It is also why such neighborhoods are most likely to appreciate because those who own properties in these neighborhoods are on the correct side of the supply/demand equation.Since your post is focused on Philadelphia, the city has good fundamentals...strong Ed's & Med's, good accessibility to both NYC & DC, own port, international airport etc.

With Morganton’s growing population, influx of major corporations like Tyson Foods, and frequent visitors traveling to and from the mountains, this property is perfectly positioned for long-term growth and profitability.

With Morganton’s growing population, influx of major corporations like Tyson Foods, and frequent visitors traveling to and from the mountains, this property is perfectly positioned for long-term growth and profitability.

With Morganton’s growing population, influx of major corporations like Tyson Foods, and frequent visitors traveling to and from the mountains, this property is perfectly positioned for long-term growth and profitability.

Asking in the correct forum will get a better response.Need a spreadsheet or form?

@Nevin Wilkie, as noted, if you already closed on a conventional loan, your lender is correct that any change in ownership can cause the loan to become due immediately.There are a few options:First, most risk of being sued comes from you being a bad person.  

From your post you said that there is more than one unit on the third floor, correct?

You just plan to sell lots, correct and not build?  

If I'm understanding you correctly you only want to actually buy the house for $184K, but you want to use a gift of equity from your daughter as the down payment.