If I am understanding the situation, you took at a 12 month loan and it is now due and the lender is foreclosing (I do not understand the six month comment).Here is the reality, getting a lawyer and spending $ to delay a foreclosure is only going to cost you more $ as the lender will also have legal costs that get added to the loan and you will have legal costs.Your options are refinance or file bankruptcy.

They can guide you on how to improve your debt-to-income ratio and potentially qualify for favorable financing.Schedule a meeting with a mortgage professional who can review your financial details and provide personalized advice.

I am also pursuing my real estate license as well, I am looking forward to meeting & helping other investors and agents. :) 

Don't wait for interest rates to drop - if they drop enough you can always refinance and improve the deal's performance.We are continuing to buy if the deals meet our criteria - the problem is that it is tough to find deals that actually meet our requirements :)

Or leave it in place, it doesn't impact your so called legal 'use' of the land. 

I will be filing this season for the first time being a home owner and house hacker.I would like to work with a tax professional who has experience with this strategy.Tell me why I should cancel my meeting with H&R Block this weekend...For context, I have a W-2 income and have had 3 tenants stay in my home within the past year. 

On flips, we don't find pushing that envelope worth the added liability if someone finds out that it's not a legal bedroom.

Even with these though, you'll need to find ones that can meet your expectations.You'll probably just have to jump in and try one out and then learn from your experience.

I’ll also be reaching out later today to possibly set up a time to meet!

I haven't found any information about not being able to split the lot if the house is built before 1978 (which mine is) but I'll bring that up to the county when I meet with them in a couple weeks.Is there a reason why you chose to split the lot as opposed to adding an SB9 unit and then adding an ADU to it?