Do you know if she would qualify for a modification ? 

A fiscally sound city will have cash reserves which helps with vitalization projects and encouraging jobs into the city.Taking the first step is the hardest.

Before you continue down the modification path much further I'd get in touch with someone who specializes in garage conversions or ADUs and get an approximate price and timeline and run the numbers again, it seems like you may be underestimating the cost, time, and difficulty of a project like this.

That will give you some vital feedback.

Modification usually involves some form of capitalization of the arrearage, plus, perhaps, a forgiveness of some of the arrearage.

@Sean Vitale, welcome to the community.

That's the size we'd like to go after next...best of luck.Our inspection went smoothly on this property as it was owner occupied and he took great care of the vitals. 

I’m a wholesaler who does direct mail and cold calling but I prefer the cold calling method as it is quicker and more convenient if I have an accurate method of obtaining current vital info.

Please sit and let me read to you while I transmit your vitals to the Hospital AI".

The issue is the City of Tacoma.The way the house is currently zoned, it isn't eligable for the detached ADU modifications in the garage.