But, my concern is what is the " statutory or legal duty of the servicer" and can I put the loan pay off back where it was prior to the modification without paying for a fraudulent loan.

Owner of 2nd mortgage started foreclosure 2018 for non-payment and was pulled into Chapter 13 BK. BK Judge released BK hold to allow foreclosure by me after I proved the Original owner had quit-claimed property to ano...

@Prakash Bhatta  The two most common ways people steal electricity are:  1) by tampering with the electrical panel and bypassing the meter  2) or by fraudulently establishing service in someone else's name (i.e. identity theft) and then not paying the bill and just running it up until the service is shut off due to non-payment. 

I currently have about 100k equity there.2016 capital gains income: 02016 business / gambling income: 25k2017 capital gains income: 152k2017 business / gambling income: 28kChecking account balance: 100k+Credit score: 730Investment property price range 165k - 200k.I can get letter from CPA stating I've been in the same business since 2010.I'm being told they will take either last three years of capital gains or last two years of gambling. 

With smaller towns there is always that gamble. 

Many say that buying for appreciation is simply gambling.

well  before you work with Jack you should treat him like a tenant..pull a credit report and run him through a criminal and general background check.if he balks you have your answer.it always amazes me that folks will jump into these large partnerships with a ton of risk and not even do the basic background on the partner.but rent some 12 dollar an hour person your rental and you would never do it without doing the above.now most folks will jump on here and say brilliant things like RUN  LOLbut lets be pragmatic here and just check the guy out first.. then when you have that info.. go from there.Also be careful on how you deal with the bank you don't want to put in a fraudulent application..

Unless the property appreciates significantly beyond the average 2-3% which is a gamble something like this does not seem to be a great value.ThanksPesi

I am strictly buy and hold; anything I buy today has to be really appealing-not going to gamble on any dogs or overpriced queens at this stage of the market-and certainly not counting on any appreciation for the next while.

@Marion Lee most service animal claims, particularly emotional support animals, are fraudulent.