The moral of the story is that response rates are unpredictable.

Moral of the story.....be willing to be creative in your approach to deals!

The currency exchange works both ways - you'll get a boost when translating the income back to CAD.

The good ones, that want to better their education, strive to provide a good service for their customers, and operate morally and ethically could never be compared to a "wholesaler" in my opinion. 

Most important for other newbies and/or people feeling down to get a boost or drive...

As far as repairing your credit I was able to boost my score over 100+ points in about 6 months time using a site called creditboards.com they basically have a wealth of information you just need to weed through it.

It doesn't look like you will be able to refinance in the near future so the scenario may look like this:  (Lose-Lose, his name is on a loan for a property that he doesn't have the deed to and you are morally and financially responsible for a property that may not be cash flowing very well). 

If I can (Legally, Morally, and Ethically) profit while helping people stay in their homes, or helping them get a fresh start, I will do my best to be active in this area.  

Are there any expenses that you could lower or boost income?

Boosting your posts or running ads will continually put your post/ad on your target audiences feeds and greatly increase the chances of them seeing your ad.