Also, find a copy of the short sale Approval Letter from your lender and read it again, thoroughly.

Once a default has occurred - be it missed monthly payment, note maturity, etc, the note holder or their representative send a letter to the debtor notifying them of the default and providing the statutory timeline for corrective action.

Try to get a 25 year ammortization with a balloon in year 5. 

I’m considering coming in with an offer around $600K to $650K with seller financing and setting balloon payments once the land is sold. 

Also at closing: You should provide proof that the lender is named as such on a valid hazard insurance policy effective at least on the day of closing.Regarding the closing to sell or refi, yes, your lender will just need to provide a payoff letter with wiring instructions to the closing agent.

Have your attorney send your contractor a letter explaining your dissatisfaction, any legal, ethical, or moral violations his operating methods result in, and making him an offer BELOW your “target” amountbest of luck 

5 year balloons?  

Leasing at $3k/month covers your current mortgage comfortably, so refinancing could relieve the pressure of the balloon payment.

If you see multiple posts a day, it's definitely worth speaking up about like @Nathan Gesner mentioned.At the end of the day, these "trolls, the cut and pasters, and AI posters" don't win in the long term....All sites or groups that grow experience the same issues with moderation (see Facebook groups), but VAs can't moderate because they are doing a letter of the law thing and not reading these garbage posts for what they are - spam, AI, number puffing, and cut and pasting, self-promo.

The group now has 30 members with discussion around negligence, mishandling of funds, fraud, and residual damages.On 6/26 my attorney sent a demand letter to Jeff Swiecicki requesting immediate payment of the balance owed.As of 6/30 Jeff Swiecicki has refused to pay back rightfully owed funds and refers us back to his 6/4 email to wait 90 days.