Basically Jay is saying you need to somehow get current in order to prevent the foreclosure.

@Frank Gucciardo unfortunately this is going to basically be a full gut.

I basically said I’m not willing to give so many concessions.

Don’t do business with lenders that don’t know the basic rules.

That's the first principal element of a quality cost segregation study. https://www.irs.gov/businesses/cost-segregation-audit-technique-guide-chapter-4-principal-elements-of-a-quality-cost-segregation-study-and-reportA "mini" cost seg is basically a residual estimation, which is cautioned against by the IRS because it is generally inaccurate.

I live in Seven Hills, which is basically Parma if you are not familiar.

Pretty sure the mortgage insurance is deductible though @Wayne Brooks Basically just the mortgage interest and the PMI are deductions.

Basically they're covered. 

Here's some basics of an option agreement: Option basics You'll have to negotiate the option fee.Have an attorney prepare and review the documents with you to insure it conforms to the laws of you state.

My remodel is also much more basic, but I have all new Windows.