While I believe aid and relief to the needy is necessary, our government always brings a rocket launcher to a knife fight.Let's use me as an example.

No loose wires, uncovered boxes, loose light fixtures, cracked plates.Water heater, pressure relief valve with tube, 6" off floor.No plumbing leaks, even a drip..

The only way to succeed is to market to people who have either had their BK case dismissed by the court (usually for failure to file documents timely) or if a lender files a Motion For Relief From Stay (because plan payments are not being made) AND the court grants that motion. 

And then what happens when your trustor BK's now you have to pay an attorney for relief of stay  ( very common on the west coast)..

Further, in all probability the plaintiffs will be able to argue successfully against granting you bankruptcy relief under the provision that liens resulting from fraud are not dischargable in bankruptcy.  

Another issue, since it sounds like you're working with her, is the Mortgage Relief Act is expiring and in 30+ days she can get tagged for the forgiveness of debt from the SS.

The 50% is expenses before debt relief.

Philadelphia seems like the prime market considering there are a lot of sellers just looking to cut a deal and receive some relief and perhaps this would be a nice way to dip my toe into the water. 

I  think we are going to see continued growth in the surrounding areas as I don't see any relief to the housing/rental shortage any time soon.

A Chapter 13 Bankruptcy will provide a plan for repayment of debt by the debtors and the lender will usually file a relief of stay to have the right to foreclose on the property should the debtor not perform.