I could not rented so I decided to move in and hold it til the value goes up, I got a loan modification because of my condition that helped me a lot. now it has equity and I feel more confident in going to try again to investing.

To define a loan assumption might be a good start: That is where a lender allows another person to sign the existing note without modification of the note and either releases or retains the original borrower on the obligation.

I just used the state contract and attached an addendum with a couple modifications.

The work I have done to this point involves either desigining new residences or modifications to existing homes. 

If your region's MLS doesn't use Paragon's undocumented API, the code won't work without significant modifications to the get_properties() function.

He was waiting on a loan modification that would lower his cost basis to $200k.

Losses arising from illegal acts will not be covered, if the insured was involved, if it was a tenant and without your knowledge, they will probably pay, at least they do here.One other thought, changing a property after the property was underwritten might be a problem, but again, I would not be concerned about a garage conversion, but if the modification would materially change the premium or the policy or increase the risks transferred to the company....you should notify your agent of any additions made for a determination.

After calling Fifth/Third bank almost daily for months I convinced one of them to give me realistic loan modification terms (you should've seen their opening offers) with the new job in mind. 

Some of these will be able to do loan modification, and many more will be able to sell because of low inventory and high demand.

They typically handle customer service, collections, loan modifications, and foreclosures.