Well atleast in that ball park. 

Would you just go around the realtor and contact the seller directly, or is this a slime ball move?

The cost of borrowing money could skyrocket or disappears because no one will want to lend, fearing inflation will gobble up the value of the funds loaned.  12%-15% hard money may look like a bargain at that point.I have no crystal ball, or at best a very murky one. 

I feel like either my attorney or my realtor dropped the ball on this.

@Houston Garcia thanks I've reached out hopefully I can get the ball rolling!

Does anyone have good ideas / strategies to reach out to them and get the ball rolling??

Prediction and appreciation in these areas - let's consult my crystal ball - "possible, likely depending on..." oh, it got cloudy, can't read a clear response.

Well now it's time to get the ball rolling for a refi and look at purchasing another property.

Americans are eager to go away for vacation, eat dinner out, visit a museum, take in a ball game or do many of the wild and crazy things that were largely off limits in the past year.

(To be clear this doesn't accumulate by rent credits but "lump sum" deposits over their agreement)  In the past we won't even talk to a buyer about owner financing unless they have 15%-20% down TODAY.Our whole issue with "servicing companies" is if they don't pay, the ball is back in your court to collect.