As an example, if a loan modification is current and has 12 months of on time payments would you call that a performing note? 

This case was ongoing until 3 months ago when the law firm became unreachable and practically disappeared in the middle of filing a loan modification.She was able to complete the modification independently with Nationstar, and was offered $3,800 mo. payment beginning April 1.This is too high of a payment, are they any RE attorneys with any advice or information to lower this payment and keep the house?

I typically do not like modifications like this, especially right from the beginning.

As we got to the last month, the borrower reached out and wanted to do a loan modification but at only $500 per month.  

This way, if the Seller is not willing to agree to our modifications, and my client wishes not to proceed, we do not have to be concerned with recovering earnest money. 

We made small modifications to the lease for our duplex in order to mitigate the risk based on this small change. 

This helps us maximize our modification ratios.  

Most people that get in trouble working with distressed homeowners are charging upfront fee's for foreclosure postponements, loan modifications, and other loss mitigation work out options.

I work on a laptop at home, but use a desktop at my office, which necessitates a solution that I can access from anywhere.

Common examples of when you might receive a Form 1099-C include repossession, foreclosure, return of property to a lender, abandonment of property, or the modification of a loan on your principal residence.