The others above have offered several very practical solutions. 

The bank is offering 2 options for modification.

What I don't like is that they don't make it easy to add any notes or codes for what you were doing and have the add up by category.

What I mean by that is, I don't think there is a lot of good quality STR inventory in Western NC and I think that's why a lot of people are struggling.

I'm wondering because of the housing shortage if the federal government is offering some low interest loans for this type of development.

I offered them 5K relo, last month's rent free, and deposit if they move out by Dec 1st.

Any other suggestions for analyzing the quality of the offering and the group making the offering?

@Morgan BrownYou may find better pricing by breaking these up into 2 sales contracts and 2 transactions. 

The "backdoor Roth" strategy allows someone who earns too much income to be eligible to make a direct Roth contribution, to make a non-deductible contribution to a traditional IRA, limited by the annual contribution limits ($5500 for 2013), and then do a Roth conversion by rolling the contribution over from the traditional IRA to a Roth IRA.

We could put in an offer and put a down payment on a house today, but I'm not confident I would get approved for a loan with a down payment from funds that just arrived in my account a few days ago from my in-laws.