Quote from @Beth Johnson: We pass all loan servicing charges through to the borrower including set-up fee, monthly fees, and any servicing charges such as payoff demand generation, and loan close out fees. 

(I'm managing partner of small CPA firm.)I think something like ChatGPT does do lots of really good stuff for tax accountants.

If your loan is $110K then the payment on the 15 year would be $927/month at 6.15%; 30 year option at 6.625% would be $690.

And addressing my item #1 comment, almost always, when a "distressed" homeowner is approached, they initially are grateful to have the loan brought current, but before long they forget the circumstances they were in and you become the bad guy that stole their house.

FHA loans require living in the home as your primary residence for 1 year after purchase.

There is also an ad on small "house" which is also being rented.

You can get a normal owner occupied home loan to do this. 

It does have a small garage.

What loan size and loan to value?

I toured the property when they were home and they asked me how the living situation was gonna work, which I explained that my loan said that I had to live on the property for a year, and the tenant next door was on a year lease & he was month to month... so he was going to have to leave.