The other two were on unemployment but have had issues and my wife is still unemployed and pregnant.I took the option of a loan modification after not paying mortgage for 5mos.

Both are basically "selling stuff" but the difference in magnitude necessitates different skill sets and network. 

Then, send an email to the appraiser and the loan officer asking for the modification.

I don't see how the current price range of NPN's reflects such a delay in FC .. and there is no incentive for borrowers to negotiate modifications or other solutions, they can simply keep on not paying ..

Construction costs vary depending on the condition of the garage (mainly existing structure, foundation and distance of sewer run) and the JADU costs will also depend on how much structural modifications will be required to separate the unit. 

Hello,I'm looking to purchase a older home in the Canton area then, I would like to renovate and change the layout into a MFH. I'm more worried about the permitting process/architectural plans. Is there any reason Bal...

I was also thinking about long-term for example I see pre-war homes on the market, and if you are a buy and hold investor you might be owning that asset for another 10-20 years, which in theory necessitates a remodel at some point in the future..

I would think that if the 2 other roommates do not care that the boyfriend lives there, you can offer a lease modification to allow the boyfriend and increase her share of the rent by 50%.

There is good potential there, but in addition to the age restrictions I wonder what restrictions might exist in regards to exterior modifications (color, siding material, windows, landscaping, etc.)One co-op I was reading about today had their agreements accessible, and it read like 1 of the applicants need to be 55+ and then other applicants just need to be older than 19.

You can advise her to contact her servicer and apply for a loan modification or forebearance.