If your having trouble making payments you can see if the servicer has a loan modification program for investment properties ..I wouldn't expect you to be able to refinance for any more than 50-70% LTV, if at all.

That being said, normally modification of a common element by an individual owner is not allowed.Hopefully, you can get it worked out.

No modifications, no working something out, no discussion.My example about the sewer link is a real situation that occurred with one of my rentals last summer.

For example, it says "REMOVE ILLEGAL PLUMBING MODIFICATIONS" but didn't say where.

So that is the equivalent of giving your money away.If I had a dollar every new note investor who tosses in the idea of modification to reinstate the borrower into a more affordable loan, I could get Detroit out of BK.

A lender also has certain rights as the owner of that note to pursue asset recovery within those legal bounds, whether through foreclosure, deed in lieu, short sale approval, loan modification, workout plans....and others I'm likely not aware of.

Can a Mortgage Servicer conduct a modification?  

In Bridgeport, CT to be exact.I have a property that I am looking at Tuesday that is a 2 family that was converted to a 4 family illegally. The current owner says her father did it a long time ago, she doesn't know wh...

Does anyone know where to look to market to divorce decree, loan modification, and code violation?

This wouldn't be an elaborate shower (pre-formed base, tile sides), would require no structural modifications (same exact footprint as the combo unit), and as mentioned, the work would be done by professionals.