Case in point; I have a property that has a positive cash flow of about $250/mo.  

The response when I asked the question on why these items were not considered was “ well, we will show you how to minimize vacancies and you fix everything upfront so you don’t have to worry about maintenance cost”… Is this the case in some instances??

Steve Snyder that isn't the case in my area.

You forgot to mention that the responses would almost certainly make the original poster feel like he's heading straight to jail for missing this or that, because of that one case in so-and-so state :)On a more serious note, pun not intended, please be sure to double check with the attorney.

Once the plan is confirmed, the trustee will make pro rata payments to all the creditors, which include the arrrears on your loan.Also, look up the case in PACER.

Is there specific verbage I need to include to protect myself in case in comes in lower?

In many case, in almost any publicly traded issues the quoted price will be at or within a fraction of a percent of the market price.Actually, valuing the IRA notes using unpaid balance is the equivalent of a conventional custodian using the par value the stock was originally issued at as reference for the value.  

Case in point, I bought a house in downtown Whitefish, MT 15 years ago.

Which is in fact sounds like what happened.Big case in San Francisco just happened like this. 

I know that's the case in some states.