The simplest way to describe a Passive House home is to imagine a balloon inside a Yeti cooler. 

The simplest things, in conversations, become helpful. 

But don't cut yourself off from the simplest and most substantial tax break the government allows.Jeff

At it's simplest form, all we need is a seller, and a buyer and the rest is just details.My suggestion would be to be honest, network, have a positive attitude and keep pushing yourself to help people with their situations. 

That being said, active investing, logically would provide you greater wealth (for simplest definition, wealth = most possible money). 

Just make sure you write up something simple stating this is how it was done and have it signed.Normally at lease end, the security deposit gets returned in the form it was received - ie one check - and the tenants can then figure out their arrangement of how they split it.

Or if they are agreeable to not having that shelf and you can simply remove it, that would be the simplest solution.

@KaSaundra Johnson break it down to its simplest form and perhaps consider working backwards (in your mind).

John to help you with this quest.. who was the lender.. there are plenty of lenders that would do that deal with a 203k  type loan or if its a local community bank they can lend on anything they like you should see what i buy and my local bank lends on.. extreme hoarder houses.and did you stop to think that this might have benefited the seller or owner of the note as compared to you coming in and buying the note.. maybe they did for the simplest reason of all. to minimize their loss or maximize their return.also when buying a note its not like going into contract to buy the asset.

The very simplest cuts, with a simple design made from simply filing the rounded edges with a file or rasp.