Yes, you could do a wrap transaction but with the original lender's or note holder's consent.

You can try it without telling the note holder but you will be triggering the due on sale clause.  

XYZ will still be the senior lien holder and all rights preserved meaning, they can and will foreclose and wipe everyone else out if theye are in fact validly the senior lien holder.

Has anyone had success negotiating with these lien holders in this scenario?  

Unless you hold title to a property or have a specific agreement with the title holder, you cannot advertise it.Thank you all for your opinions in this matter

And, based on our discussions with all the major area stake holders, we believe that in 5 to 7 years the property will likely be re-purposed and become much more valuable in it's new role.

NON-RECOURSE OBLIGATIONS Note Holder agrees that for payment of this Note it will look solely to the Pledged Collateral or such other collateral, if any, it may now or hereafter be given to secure the payment of this Note, and no other assets of Borrower shall be subject to levy, execution or other enforcement procedure for the satisfaction of the remedies of Note Holder, or for any payment required to be made under this Note.

Any help appreciated.ThanksBROCK & SCOTT, PLLC 484 VIKING DRIVE, SUITE 203BROCK & SCOTT, PLLC 484 VIKING DRIVE, SUITE 203VIRGINIA BEACH, VA 23452SUBSTITUTE TRUSTEES' SALE OF VALUABLE FEE SIMPLE PROPERTY KNOWN AS8707 Ritchboro Road District Heights, MD 20747 Under and by virtue of the power of sale contained in a certain Deed of Trust to PRLAP INC, Trustee(s), dated November 29, 2006, and recorded among the Land Records of PRINCE GEORGE'S COUNTY, MARYLAND in Liber 26624, folio 574, the holder of the indebtedness secured by this Deed of Trust having appointed the undersigned Substitute Trustees, by instrument duly recorded among the aforesaid Land Records, default having occurred under the terms thereof, and at the request of the party secured thereby, the undersigned Substitute Trustee will offer for sale at public auction at THE PRINCE GEORGE'S COUNTY COURTHOUSE LOCATED AT 14735 MAIN ST, DUVAL WING ENTRANCE, UPPER MARLBORO, MD 20772 ON,JULY 10, 2015 at 3:00PM ALL THAT FEE SIMPLE LOT OF GROUND and improvements thereon situated in PRINCE GEORGE'S COUNTY, MD and described as follows:LOT NUMBERED ONE HUNDRED NINETY EIGHT (198) IN BLOCK LETTERED "B" AS SHOWN ON THE PLAT ENTITLED "PLAT 2, SECTION THREE, PART OF BLOCK "B", FORESTVILLE PARK", WHICH PLAT IS RECORDED AMONG THE LAND RECORDS OF PRINCE GEORGE'S COUNTY, MARYLAND IN PLAT BOOK 96 AT PLAT NO. 67.

Any transaction between the IRA account holder and an entity he owns personally would be self dealing and would void his IRA with very severe tax consequences.Sorry.

And, I'm not happy about having only limited influence over the types of neighbors that other HOA members are willing to rent to, and a little concerned about refinancing after the 5 year owner-term expires, as I will be a 25% stake-holder in a condo association that has less than 15% owner occupancy.Thanks for your input ahead of time.