Non payment cases are cut and dry. 

It’s a top heavy industry meaning the top 10 percent make most of the money.Have you considered opening your own mechanic shop or simply switching employers?

Another way to dip in less scarily is to simply rent out your current home or house hack - find a duplex and live in one side or a SFH with a basement apartment?

I am looking to get into a duplex or 3 plex as a first home and am wondering if there is Any way around this besides simply waiting for my credit to improve.

Would I simply tell my accountant to expense it on one of my properties next year on the Schedule E when he does my 2018 taxes?

Simply thought of it as an idea to reduce the bill. 

I asked simply if this would violate the laws.

You can simply funnel off profits or invest time and money to improve since you control everything.You can choose to invest in anything from a trailer park to a residential community.

It's worth just about the same as I paid for it, so after fees, commissions, etc, I'll basically walk away with $20k if I sell it.I assume if they do the foreclosure, they'll either simply place a lien (since the bank is first priority) or take the property subject to the mortgage (and I guess pay the mortgage?).

Anyone who tells you there isn't simply doesn't realize that's what they're seeing.2.