When buying at auction you will have zero ability to sue (and win) an auction site if information is not correct. 

Maybe sit down with her and look at the finances for her and if it makes sense for her to buy the X out and refinance if that is even possible. 

In 2025 does it make sense to build a 4plex and house hack it or is it better to buy existing multi-family? 

If you buy less or take cash out you will pay tax on that amount. 

This would buy time to improve cash flow or explore better refinancing options.Ask Your Lender: Would they consider lowering the rate temporarily or extending the loan period while you stabilize cash flow?

That's like asking how much it costs to buy a car. 

We don't buy in warzones and we explicitly verify that the PM is experienced with Class C/D properties and tenants and Sec8.  

I am a buyer - my buy box is 200k ARV, all in $150k after repairs, rents for $2000 per month.

All end buyers can see it on the market now and can buy it direct so what would the point be of you locking it up on assignment and then asking people to come back and buy it when they already could have bought it without paying you spread in the middle.

@Kris TohovitisI wouldn't recommend using your cash to pay off the mortgage on your primary residence since you can likely get a better return on that money by investing it.What's your buying criteria for the multi-family property?