@Abdul HafeezRates and LTV depend on many factors. 

A key factor here is leveraging your equity efficiently while considering tax implications.

It's called a payoff statementif it's a big lender you will not buy the loan as it will take forever, you are better just paying it off. you then can foreclose based on the total balance owed to you which is both loans and any accrued interest. regarding fixing property or selling as is, that really depends and needs to be evaluated on a case by case basis 

Just factor in a little time and effort to get everything squared away, and you should be fine!

I own a small multifamily commercial in Albuquerque and can confirm the diversity of the economic and cultural factors that you mentioned. 

I'm eager to invest and I hate to put it off forever.

You could tell them to cancel the listing and you will find someone else to list it after a month not 4 months (the market take is subjective too, all dependent on what your house has compared to others, where it is located, the size of it, and so many other factors).

What you paid for it and invested in its upkeep are not factors for pricing/selling a property. 

This includes flooring, painting, bathroom upgrades new light fixtures, usually there’s about $800 in electrical costs factored in here and all new cabinet hardware.

We measure against 15 different factors.