If you give him $10K down (five figures--nice round #), get him down 1/2 point on the interest rate, and move from a 20 yr am to 30, you'll save about $120/mo on debt service from your current calculation.My bigger question is where are you paying $4800/year in taxes and insurance on an $85K property?

@Joe Benson A lot of these questions are things you're going to need to work out on your own.

Once you have that going your going to need contracts call a realtor or better yet a real estate attorney.

all dogs can be sweet and nice.. my G shepard was very sweet. my male golden bit 3 times in 14 years.. mainly kids screeching and running away from him and got a little nip in the leg more instinct I guess.

Ideally, I want to keep the home, I'm open to ideas on how to save or sell the home - please be nice as this is not an ideal situation so I'm looking for a way forward, I know I screwed up, I'm looking for some help

We chatted nicely for about 45 minutes (building rapport) about life and her house, but the appointment ended on a very sour note when she heard the offer.

I haven't done any business with them but based on my observations of the properties listed on their site from the Cleveland market they aren't adding much if any value other than a nice website.

@Blake Denman Hey man nice to meet you I live in Salem actually so we are neighbors.

Right now the area works well for me with the rentals that I own and they cash flow nicely so I am happy.

The options are A) treat the contribution as a loan, with 8% interest, or B) Profit sharing of a certain percent, or C) We partner up with weighted shares... like 20/80 with the understanding that he will provide ongoing maintenance.