if this is an owner occupied property and the loan was used by the owner to buy the property to live in.. then they are by federal law able to request a 3rd party mediator to meet with them and a representative from the bank and try to work out a re pay planthe issue is many in foreclosure never follow up on this and basically waive their right to this meeting. that would be step number one get into the federally mandated mediation if the owner and the property qualify.

Mueller (I don’t own any, but I want to).I have more, but finger workout for the day, done.What are yours?

if an appraisal comes in low and it doesn't work out? 

If it doesn’t work out, it’s just money at the end of the day.

The hardest are when it's a one-lane driveway for a multi because then the tenants have to work together.I think you specifically have learned how to work out some kinks from house hacking and being on-site first before you were off-site.

Aaron, how did things work out for you? 

So I thought to offer the option of "I will carry the remaining $10k and work out terms favorable to both of us."

I would be willing to work out a deal if you are interested.

I work out 6-7 days a week.

Some replies here, such as the one above, point out that one can work out estimated expenses from the purchase price.