It's tough to answer because there are a lot of numbers involved.

A resolution might involve a refinance or buyout agreement to remove her from the mortgage, aligning ownership and liability.This post does not create a CPA-Client relationship.

I've only experienced this on the buy-side of multifamily acquisitions, but have been involved in transactions where the lender requires a CofO and they have gotten comfortable with just the I-card, when there is no CofO for the property. 

Crafting the right pitch and doing something unique that all the other wholesalers/agents aren't doing.

It's been a while since I've involved myself with Bigger Pockets.

If not, even though you are a re pro, losses are passive & deductions are limited.There are 7 scenarios that will qualify as material, and you only need to meet one:*500 hours*Substantially all participation*> 100 hrs and at least 1/2*Significant participation*5/10 years*Personal service activity w participation in last 3 years*Continuous participationTo materially participate, you must be involved in the operations of the activity on a regular, continuous, and substantial basis.Once you pass the pro test, the material participation often comes along for the ride.You can elect to aggregate all rental real estate for purposes of measuring material participation under Sec. 1.469-9(g).Your time spent on all your rental properties (STRs don't qualify) counts as one activity, making it easier to materially participate.In order to make a strong case with your CPA and the IRS you need to document your hours.Best practice is an hours log where you are as specific as possible.

The fact it was missed at closing doesn't mean it just goes away, or that anyone involved will pay it for you.  

Probably 90% of sub to / seller financed transactions involve purchase price ABOVE what an investor would pay having to obtain new institutional financing or paying cash.  

I would add:Over-leverage: seeing people get owner finance and someone to toss them a total of 100% financing plus the costs of renovation sometimes crushes them even if they come in on budget and have the right ARV as they miscalculate the time it takes to sell as well as forget about all the other costs involved in a real estate transaction.

When you're on a temporary visa, especially without a clear path to permanent residency, the risk involved can be substantial—both financially and legally.