She is well organized and on the ball however I know she doesn't understand my needs are different from a retail buyers.

Get great exercise and farm an area at the same time.

With these commitments you have something valuable that you can take to a developer to start the JV ball rolling. 

In my understanding the agent from myrentcourt.com is correct, you would not be able to recoup those fees from the tenant, unless the court had approved those fees prior to the tenant exercising their right of redemption. 

Can the lender force or exercise "Pay in Full" or some clause in the loan?

Hey @Richard Ball - Thanks for the suggestion.  

You are no longer cash rich, you are simply your mortgage company's *****.This is what happens when the economy turns sour.And here's where you take a kick to the balls; one of your tenants trashes a house.

If it adds up to something worthwhile, then this exercise should change your mindset, allow you to see the value they bring, and make your mindset more amiable to finding a way to work together.  

Try explaining specific deals to him and show him how you could profit, in theory, as a purely intelectual exercise. 

That usually gets the ball moving, now if they say the house is over leveraged, well you can take payments for that can't you?