Maybe a 7 year balloon payment and maybe a 3,2,1 prepayment penalty of something. 

I left numerous contact me letters to speak to the owner to discuss options and potentially cash for keys.

If they plan to exit in 3 years, does the financing and balloon refi occur in 3 years or longer?

The syndicator is just a letter off from the word Lame.

It is delinquent enough (Greater than 90 days but below 120 days(can't file first legal until after the 120th day by federal rule (Except under very very specific circumstances)) to where the lender or servicer has sent the breach letter (Notice of pending foreclosure) with an expiration date that the loan will be referred to a foreclosure filing (Trustee/attorney) if the borrower(s) don't cure the breach within that defined period of time.* A notice of default is not a letter sent by a creditor saying they are late.

You ignore the DNC at your peril, once I got 2 demand letters in the same month I paid them and decided to take it seriously.

This group (I will call it tier 1) have received letters from my attorney and communications have begun.

They will almost certainly demand a proof of funds letter too.

Then I search the county records by their name to see if I can find their primary residence which is where you can send a letter.

We don't accept letters from three years ago or some quack on the phone with a credit card reader.