I then attended a couple of hearings when I had the time from my day job.BTW: Attending a hearing meant I had to sit there for seeral hours, listening to several other cases, before my case was heard.

I'm just wanting to know about what MOST people probably have no clue about and hoping I can get someone who does to answer about is it legal for a lender to change a payoff KNOWING that there was no extra fees, interest etc that was actually owed for a higher amount with the purpose of then sending money they received IN ERROR to then pay their borrower back the extra money on the side.Again, long story short, my well over 2M was sitting in escrow with a closing attorney. 

Having a rental property sit unsold for over six months is what I would call catastrophic, particularly if it's vacant!

You could even add an island or bump out peninsula for more sitting and storage. 

If you screen your tenants properly, buy the right property and have the right team in place you can be successful. 100%, so many sit on the internet and say OMG I'm not buying there, GOOD more for us!

My wife and I approached him to discuss buying it from him since it is simply sitting.

I am having my first sit down with someone who is experienced in real estate financing and hoping to make my first purchase within a year.

And oh by the way, you're sitting on 60k in equity right off the bat. 

The best option is to sit and talk about the situation. 

My plumber went and discovered tush wipes sitting ON the toilet tank while trying to test the toilet.