Bookings and all that is simple- AIR,VRBO, we do a direct site we built but you can get by without.

I am sure the answer is "it depends" hence the term "creative financing" but was hoping people might offer a few examples to help me think more about how i might approach deals where the seller is motivated and the property as been listed for a long time. 

This approach works well for wholesalers who sell deals to flippers, and flippers or realtors can benefit even more by taking the extra step to generate their own off-market leads.No one said methods like cold calling, direct mail, or Facebook/Google ads won’t help a realtor find off-market opportunities.Just a friendly thought, especially given the high costs associated with Zillow leads.

Let me know what direction you are looking to take, we may be able to help.

Did it make a noticeable difference, or would you suggest other options like credit counseling or negotiating directly with creditors?

But just to be direct:-you don't appear to allow dogs. 

I'd be happy to chat getting you going in the right direction!

I see it time and time where a borrower tries to save on points, they go direct and end up falling out.

I'm really looking for a creative way to keep the mortgage but still buy-out my partner.

Then you have to think about 401(k) and IRA savings, which longer-term once your balance is built up, you can use a self-directed approach whereby you can use the funds tax-free to invest in rentals, private loans, etc...