If they cannot afford it then talk to the bank about a short sale or let it go to foreclosure.

Can you afford to pay someone $40k per year to manage part of the business?

or like anyone paying 30k for homes in Cupertino in the 60s  sky hi sum.. or when i went to buy my first home in 78 Cupertino was 100k who could afford that.

This concept aims at addressing the challenges of what to do with defunct suburban malls and maybe even empty big-box retail store spaces that are in desirable and affordable neighborhoods.

It sounds like you need affordable legal guidance. 

I would purchase a duplex (or even better, purchase a SFH with as many bedrooms as you can afford and rent by the room), and then slowly improve the property. 

Here are a few things that I like about the neighborhoods in Indy compared to other states: high rent-to-home-value ratio, consistent and gradual city development, relatively low property tax and insurance cost, affordable renovation service cost.

If ADU garage conversion is permitted I would say heck yes - especially if you can afford it and you don't use that space.

High property prices mean fewer people can afford to buy, so more people rent.

This plays into the affordability issues for tenants by allowing them to live in nicer neighborhoods for less money, yet I get monthly revenue comparable to short-term rentals.I have also shifted my focus to buying better.