I'm a city girl, and I grew up in apartment, so I never had any house remodeling experience, but would love to get my hands dirty.

If you want to put on your big girl pants make a counter offer to himTell him you will pay him off ONLY HIS principal and you will add that to the second and you put up the money to finish the project.See what he says when you make that offer.. this cold shed some light on it whether they are working you or not.If he readily accepts then you know your not in a very good spotBut really both of you made terrible decisions to make loans the way you have...

Quote from @Chen Hui: Lol, you are a very smart girl, first of all, you should find out if the seller is eager to sell the house, if the seller is in a hurry, then these problems are not a problem for you.How could I ask for sellers assistance with the interest rate buydown?

I am just a tiny white girl and I need to feel safe" I replied "I rent to all races no preferential treatment if you have special requirement you should not apply here". 

Thanks Jay,We couldn't be where we are today without your help over the years.I want a fat dinner from you heheWe can bring the girls and let them chat while we talk biz :)Speak soon mate

I'm comfortable in most neighborhoods but the girl friend almost didn't get out of the car. 

At one point I was cleaning the layers of stuff in one of the girls bedrooms with a garden rake. 

I had two girls who live in my house. 

I am going to mention Columbus Ohio .. this will get all the Columbus boys and girls to answer this thread .. 

Help a girl out!