This is all being done by a non-profit.

But a new tenant will expect non-trashed floors, so you'll be replacing those out of pocket.

If they didn't qualify, it was non-refundable.

I haven't found anything in a C neighborhood under 100 let alone a B neighborhood that hasn't been multi offer over asking in Dallas proper.Most C neighborhoods are sitting around 125-175, and very few non war zone houses are going under 200K in Dallas.Is it possible to find a needle in a haystack? 

This is a long shot (because you don't say what Y money was used for ) but if the Y note is for money you spent protecting X deed of trust then as a non lawyer I'd say yes, you can put it on the payoff demand.  

There are regularly proposals almost non-stop to impose new STR rules. 

When we moved we refinanced to a 30 year. 4.75, non primary residence loan.

Verbatim from Mortgage Agreement...The mortgagee may declare the full amount of the debt to be owed and payable immediately for any defaultthe following defaults are:-The agreement states that if mortgagor fails and defaults to make Payment required by Bond or Note or mortgage within 15 days of due dateFailure to keep Any of the promises and agreements (which their was non of the above, he doesn’t even answer our calls) within a reasonable time stated.So now, with this type of situation.

You could put 25% down on a non-owner occupied property.

If anyone knows of better (non-MLS) sources for sold comps than what was mentioned there, please let us know.