The building next to yours looks much nicer and has THREE security vehicles parked in front.

, and we caused emotional distress to him via this ordeal, so they deserve more for emotional distress.

If I were in your and/or your mother-in-laws shoes, I would go to a local bank and use the free and clear house to secure a $150K+ line of credit. 

And if a property is owner occupied, how can you secure a loan with a hard money lender not being able to view the home to estimate repairs?

Securing quotes for properties in flood zones can be challenging and time-consuming (especially if vacant), so it’s unlikely you could have done it quickly.

We were not able to recover any yard damages due to other damages they had left that needed repair, which empted out their security deposit.

If it is a normal occurrence I would be concerned, connect with local boots on the ground before doing anything out of emotion. 

But the bank still treats it as a secured debt.

The buyer may pay off the remaining balance at any time without penalty.2.Late Payment Penalty: A late payment fee of 5% of the overdue amount will apply if payments are more than 10 days late.3.Loan Security: The property will serve as collateral for the seller-financed loan.Hey @C.S.

Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.