I received a letter one day from a company that bought out one of the debtors with a balance of $8200 owed to me.

-In cases where balloon payments are frowned on, can you require principal reductions?

Thanks Devan, on that deal I mailed out 30 letters.

My neighbor had a lawyer sent me a letter to force me to replace a broken fence within 60 days or they will replace it alone, bill me half and if I don't pay go to court.

could I just email the agent a genaric offer letter similar to what BP forms are available, obvously it would have property specific and $ specific information on it, but I wouldnt include all the signed disclosures bla bla paperwork that goes with buying a house. would this work?

This is typically around the payoff (is it an amortized loan or a balloon?)

I'm not sure why asking to see a pre-approval letter before showing it is a problem.

I was thinking payments around 5k per month, that way I could still make the payments even if I dropped to 75% occupancy, for a total of 6-7 years and then have a balloon payment on the back-end I suppose. 

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Phone call with a follow-up letter that leaves the door open perhaps?