work out whatever terms you want with them.everything else is hard money / commercial money.

We converted a old restaurant on the property to a coworking lounge, redid the pool and built out the roof to a entertainment center with fire pits, lounges, bubble chairs, barbeque, large screen TV, music, yoga mats and amazing views of the ocean and city lights.It is designed for coworking/coliving for business professionals and entrepreneurs who want to...Live where they work.

Govt loans will typically offer loan mods, forbearance, and other workout/loss mitigation options if requested, but that is a feature of the loan, not law.

Apparantly that didn't work out for them either as they sold all their properties a couple of months later.

But if you bought your properties correctly, it will work out.

Get a quote, and see if there is something you can work out.

But again, if you're going to take it down to change out furnishings anyway, then the timing could work out well.

Hmm, thanks again, I'll recheck some Japanese properties and see whether something there looks like it might work out ok. 

There are also deals that can be find on jud.ct.gov for foreclosure auctions but those rarely work out because the people usually owe more than the property is worth or they get cancelled and postponed frequently. 

Since I work out of a home office (for now), I use a PO Box as my business mailing address.