If it is not the estate, in my opinion their interest in the lot is goneThe first transfer could have been internal as I outlined above.  

I do have access to 60k plus some more private money if needed for a deal.My internal debate is that im feeling quite spread thin between holding a contsrtuction job, learning how to be an agent (and get that business going), as well as attempting to purchase a fix and flip(s) in order to buy and hold. 

Investments don't go up in value in a linear fashion like an IRR/NPV formula might suggest.Take bitcoin for example.

@Mark K.I know it is all market specific and there is also an Internal Rate of Return to consider as well, but you could easily get the same or better case on cash return by being a lender to someone else and not have the stress and management of the property.

They said these were their internal rules and I got confirmation from multiple people in the bank.

I would like to start using Cozy, but some residents are old fashion.

Are there mechanisms of some sort that I should have in place in order to execute in this fashion? 

When I helped develop an internal software system for a financial institution we tested all of our loan calculations against TValue and a good ole HP12C.

(of course this can be remedied with title insurance which is part of your vetted team)2) Don't understand the Time Value of Money and how discount, terms, face rate of the note, an time all play into calculating a true yield, ROI or Internal Rate of Return. 3) Don't want to put effort into researching and fact checking before presenting a deal for consideration.

I use First International Title (next to Bonefish) and they have always worked with me on my purchases and sales.