They owe $95k on 1st MTG and another $25k on a 2nd that was placed on the property when they went through a debt re-structuring program.

There are various programs for subsidized housing, most notably section 8, that can provide reliable income for you extra unit.

Have a good full time government job, decent savings in 401k, am also locked in for my National Guard pension in two years ( but cant collect until I'm 60) and have my home paid down to 80% of value.

You will probably not be allowed to live off-base at government expense.

@Caleb Heimsoth agree and working on a few companies who offer fix n flip programs and bridge loans.  

I have been in the military and worked for the government since I was 18.

According to Chapter Five, “An outright gift of the cash investment is acceptable if the donor is- the borrower’s relative- the borrower’s employer or labor union- a close friend with a clearly defined and documented interest in the borrower- a charitable organization- a governmental agency or public entity that has a program providing home ownership assistance to low- and moderate-income families, or first-time homebuyers.”

Under this incentive program, only about 40% survived the transit.

Skilled negotiator with high aptitude for developing and executing programs leading to sweeping change.

As we move forward, I was just thinking that we could save a lot of paperwork by having the accounting program accurate.