They probably paid you by mistake, but then compounded it by not working to collect the money.As others mentioned, you should fight it.

I foresaw the adult children fighting this as soon as their parents died.

If they can figure a way out of it (and its possible), good for them but I no longer have a dog in the fight. 

Let the insurance fight it .

The neighbors who are fighting for spaces and parking will turn you in immediately. 

I have been a landlord but I am not now and don't really have a dog in this fight. 

As a buy-and-hold investor, the best Realtors for me are those capable of thinking like an landlord, and who approach deals the way a landlord might.

If its in his name it still may be considered a residential note unless the note specifically states its a commercial note.Reason I ask is in NY the cost to foreclose and the time it takes on a residential property can be years if the borrower fights it (and cost a hell of a lot of $).New York is probably considered the worst state to do a foreclosure in and many investors will not even buy in New York.

Have you showed it to someone else qualified that doesn't have a 'dog in the fight'?

.* I am capable of light carpentry, some electrical (outlets and light fixtures), and some plumbing (toilets and faucets).