If so, does anyone have any referrals to help me with the process?

It sounds like the 2 BR floor plan makes this process even more difficult.

;(- if as-is value is less then the balance on the mortgage + arears OOOPS you need to have the owner work with the bank, you as the investor buyer AND a short sales expert often an agent work the tedious and usually failing short sale process. 

My credit got negatively affected but we’re in the process of building hers ( she had no credit nor bad credit) I think we’ll have her credit above say a 700 in the next 6-12 months.

Prove your work ethic, and opportunities will come.6.Enjoy the process.

Even large and small businesses with intangible residual services like TV, internet, security, pest control or the local contractor with remodels in process could fall behind on payments revenue contract. 

I’ll certainly take this as a lesson to leave no detail overlooked and to approach every aspect of my agreements with care.

I know that you do a great job smoothing out any "rough spots" in the lending process, so that certainly helps when the deal starts to go sideways... 

They usually have a process for filing a claim with the city for damage caused by them, and they may be willing to cover it.

My wife (who's from CR) and I are early in the process.