Although I may lose the deal if I force his hand this morning, I will at least stop wasting another weekend on the MLS with it marked pending.

Well, we have almost completed an extended rehab - new innards, finished a 950 SF basement, stopped flooding etc.

Profit $30,000 on $150,000 Total project The report shows " Total Personal Cash Invested " However since I am borrowing the money , my cash invested is only  approx 25% of Total Cash In , plus of course  holding costs , etc..  

She mentioned declaring bankruptcy to stop the foreclosure but I know I read (here I think)  that while it would do that, it will cause other issues.

I had one, but they stopped.

Qualified Borrowers with decent credit and verifiable W-2 and/or Tax Return income can purchase a SFD, Townhome or Condo on the following program:Purchase loan at 95% LTV up to just under $851,000 with Closing Cost paid for cooperative, pre-approved borrowers. 

Without any secondary market, all the profit must come from the borrower. 

I would stop over an talk to the tenant.

You’ll need to borrow money from relatives/friends or from your retirement account (if you have one).

She was probably 3 years old before the chewing and digging stopped, and probably 6 years old before she could calmly move around the house, and that was with MUCH training.