Either way @Mohammad Haidarasl you'd get significant relief by consolidating and refinancing if you are making more money than you did as a student.

You do NOT need to explain your difficulties, just ask to remove the penalty.If they refuse, then you might need to go a more complicated route: request a penalty relief based on a "reasonable cause" - which your family emergency might qualify for.

Does the automatic stay from this new filing apply when there's already an Order for Relief from a current BK case?

@David Rebuck I had a plumber install a new HW tank last year at our FL rental & the pressure relief valve failed in 6 months.

Those appraisers do a very detailed inspection and will fail a property for even small amounts of peeling paint, cracked windows, wobbly handrails, crumbly cement steps - and I even had one fail last week for the pipe on the pressure relief valve on the water heater not being 6" from the cellar floor.  

That would be a huge relief!

Possible but doubtful - I'd almost guarantee you signed something somewhere that had a disclaimer about a guaranteed closing date or any relief options for you from the lender. 

But I work with a lot of investors, both commercial and residential, and most agree that having us do the research, backing them in the negotiations, having legal contracts drawn, is a huge stress relief.

Look into business LOC which could be used for HML relief and may acquire other small $ rentals for bundling3.

In the first case, the tenant may be happy to know ahead of time and an offer of a dumpster or donation truck will be a relief.