If they are right around the 20yr mark, it is possible they have an efficiency around 80%.  

Originally posted by @Mark Creason:@Scott L.Pennsylvania has a substantial transfer tax starting at 2% and going up depending on the county where the property is located. 

Forgetting about what the law says it's the mark of an inexperienced landlord to accept less than the agreed amount and it's sets a terrible precedent. 

This is a tough question to answer, @Mark S.  

My trucking job “owner operator” pays me well enough to payoff the loan at the 3 year mark.

Thanks for the nod @Mark Pedroza! 

Originally posted by @Mark Tomseth jr:Hey Mike - Did you end up dividing the lot?

I know the tax sale will wipe all liens, but by me purchasing at the foreclosure sale, does that not give me the right to redeem the property, or is this a mistake that the trustee made and the sale will be marked null and void? 

@Mark S.How long can this be sustained ( her being late every month ) youcant run business like this worried if you’ll get paid or not .

Anyways, we put the account on a "budget" plan so that every month the bill is the same until it is rebalanced around the 3-month mark and then every 12 months.