Commercial investors are a lot more sophisticated that homeowners.

I have basically been on somebody else's payroll since it went bust.

There could be special cases for this like in leftist California where the government irrationally legislates below-market rates for lenders, but in the absence of this scenario the sophisticated lender will price their debt in a manner to compensate them for the riske.

State's differ by type of money, bank deposits versus uncashed payroll checks, etc., etc. as to how long you have before you're required to turn it over to them.I know someone who did escheatment for AT&T.

Why would you expect someone to take their time to educate you on a very sophisticated and time-consuming endeavor without getting compensated for it?

First I see that the market might be limited to more sophisticated buyers who catch on and understand what is going on, but the learning curve, IMO, would be very short.

How about cutting payroll taxes and/or spending?

Even the least sophisticated person tends to have a general idea about the values in their neighborhood.

Private lenders can be difficult to deal with for a myriad of reasons.The best way to deal with them is to find out how sophisticated they are.

In its more sophisticated and complex form it's a tool of art, like canvas and paint, or a movie camera, it can be used to tell a story.