IDK if MA (or wherever the property is located) allows deficiency judgments or not. 

Welcome to BP @Mark K.!

finally after almost 6 months in getting my credit scores up to par...I have a little cash saved, andnow it seems I keep running into sellers that are playing games...ie List for 62.5 k...then when I madean offer of 60k...she countered with 64.5k...getting frustrated with trying to negociate buying...thisis not the first time....its happening over and over again since January with varius properties and differentrealtors...any advice?

@Jim K.

We did and the report states there are deficiency of roof and the roof forwarded to the local building inspection department chief builder.

What will be tax consequences for borrower of rental house giving property back to lender through deed in lieu with following situation.(1) Lender issue 1099C , No deficiency judgement.(2) Lender don't issue 1099C , No deficiency judgement.

Yes, I already raised my deductible from 1k to 2.5 K.

Joe Abughazaleh would you please give me the name of the NOD companies And Jon Lee I will definitely take your title company contactThank k you guys 

I've been pre qualified for a loan that would let me purchase a property in this price range (130 K) for a residential unit; but because the bottom level of the 4 plex is being used for commercial purposes, the loan I need will have to be for a commercial property.  

A really good rule of thumb is $20-25 a square foot for rehab, then add costs for roofs, 3-5k, hvac 3-3.5 k, blow pipes, 1,500-2,000, foundation 1-30k (harder to determine when starting, but you can have guys give bids).