Sorry, I'm a beginner and I know to OP has a serious issue but wow...thanks for the wit!

If that was the OP she would be left with $0.00.  

I have a senior absentee homeowner in N.J. is super motivated to sell her Co Op in a 55+ community in WPB, FL for $28K...........I have absolutely no experience in Co Op's.

My ops are in the area so I'm in though please don't bother if you're just brokering for a HML.

Back to the OP...

The OP may not care either way.  

Just my 2cents.Hope the OP can take all that has been discussed here and come up with a resolution.Cheers.

I have seen folks try for years to find these mythical private lenders and never do a deal because they can't raise a dime.what the OP is looking for is an asset based lender.. and those are not very common anymore.. especially if you have to find one on the internet means you don't have a track record and have little to no chance of finding anyone who is going to 100% your deal.. unless its just such a low LTV that they are making the loan with a better than 50% chance of owning it when the borrower can't pull it off because the borrower is not experienced and can't execute.  

"One- to four-unit principal residences, one-unit second homes, or one-unit investor properties including units in condos, co-ops, and PUDs.

Personally I think the OP has an awesome attitude and if you mix that attitude with the proper education and determination you will succeed.