Suggesting to them buying their house for a wholesale range offer or lower dependent on the extent of the rehab, then having a contract in place that gives them a percentage of the profit to help get them back on their feet, paying off debts etc.

This is more or less like BRRR where I can refinance after renting them out for as much as the cost to build.

If you really don't want the stock account any more and are willing to take the tax hit, why not just sell it and leave the cash in your account? 

@Jordan Miller - I think to give proper guidance it would be good to share more details on the revenues and expenses on the property.

but i also 2nd @Jay Hurst's sentiments - get a 2nd or even 3rd opinion on DTI/ full doc. i personally love files that are puzzles, i get some weird satisfaction out of figuring out how to make it work on full-doc, especially when my client has been told "no" before. if it doesn't work now, a good loan professional will help you create a path forward.

Need so much more info to actually be able to shop rates  :) 

Based on the questions you are asking I think you need to spend more time listening to podcasts like Bigger Pockets and Bigger Pockets Rookie.

Of course, at the end, he plugs a masterclass with more specialized small group training for $3000 (money-back guarantee if not satisfied).

Most land bank properties, Detroit or Wayne County, are trainwrecks and cost more to rehab than they are worth - unless the market keeps improving.Be careful on the next one, but keep improving Detroit!

@Jacob Riddle here's some copy & paste info you  hopefully find helpful!