(only asking out of curiosity, not solicitation).

@Julia Yagodina  dion pretty much covered it.I am going to assume this is a loan from investor to you with property as collateral. the interest is accrued and paid with the balloon payment at the end of the term of the note.Since CA is not a attorney closing state and is title company closing..

The thing about Bozeman's market, is, if you can get in, at any level, there's a very good chance that you will accrue some mad appreciation over a few years.  

My goal is to take the knowledge I’ve accrued the last 10 years or so and apply it to my local area with regards to investing and fund raising.

Out of curiosity, what exactly is a "Foreclosure Specialist"?

We have accrued a sizable equity of over 60% of the value over what is owed , I am steadily and securely employed and make a very good wage that with this would give me the opportunity to restructure everything to be manageable and allow us the time and ability to rebuild our credit and reduce the stress that this pitfall has caused and is not any help to my wife's health.

So these amounts are roughly based on the amount borrowed and interest accrued from non-payments.  

@Gunnar Barbeewhat's your take on setting up the LLC as an S-Corp out of curiosity? 

Honestly they seem fishy, I called one out of curiosity and was not impressed.  

The collection and late fees of $25 and $25 accrued over a monthly basis for 18 months (18 x 50 = 900).I apologize for the use of the word "predatory".