Food in fridge is from April this year and it basically looks like someone was half way through moving out and then something happened and so a bunch of stuff is still in house. specifically one room filled with about 10 burner phones, 3 tvs, personal clothes, mail, kids personal items and bunch of random stuff new with tags, etc etc. he also had pets which was against lease term. one of the rooms was used as a pet room completely destroying carpet and staining walls with urine etc. 

It requires 3 years of OO, but if you are not destroying a rental unit it could work for you. 

Mike is correct, as a foreign you wont get any loan from any Bank.

Listen to the Bigger Pockets Real Estate rookie podcast... you wont understand everything at first, but soon it becomes like your own language.Meet people in your area... network.. tell them what you are interested in, you will be so surprised that people will show up to help you.Avoid the gurus who ask for money, PRO membership here gives you access to the webinars and calculators you need to make it make sense for a newbie. 

I think for short stays most wont notice and those that do will not care much.

It goes deeper than that.NYC Liberal policies, including strong tenant protections, increases the risk of failure so much that the risk far outweighs the rewards.Financial ruin is just around the corner for the small Mom and Pop Property Investor that it doesn't make sense for them.The Tenants will have free Attorneys that are bent on delaying eviction cases so long that it stretches into years while Mom and Pop suffer from lack of rental income and still have to pay all the bills and do the management.Additionally, the increase in homeless living rough in the streets due to Sanctuary laws causing a lack of shelter beds, then evicting shelter residents after 30 days creating more homelessness, policies that tie up the Police's ability to arrest perpetrators, etc. only causes Mom and Pop to sell out at large discounts to larger Landlords who are capable to use Economies of Scale to eek out a profit.These larger Landlords will eventually turn a much higher profit as the pendulum will eventually swing towards the middle when the NYC Voting population eventually realizes that it's not a conspiracy of the Rich that's causing the Wealth Gap to increase.It's the same liberal laws that encourage people to become lifelong tenants, small Entrepreneurs (including Property Owners and small Mom and Pop Businesses) to be destroyed, and Rents to rise astronomically as housing becomes scarer even when the population declines by as much as 7% in the last several years. 

And you wont have enough equity to refi out any extra (you need 20% equity before you can start pulling out funds). 

You could have sent him to collections and this would destroy his credit, which could impact his ability to purchase a home, qualify for a car loan, and possibly even cost him his job.

This creates a new issue because I deal with small notes under $75k in value and need to bundle them to meet a collateral lender's min loan amounts.A partial buyer will look unfavorably upon a hypothecated noteYou guys think there's any wiggle room here for negotiation or would this destroy the note's value from the note investor's perspective?

Most banks or credit unions simply wont do them post the GFC..