Out friends in Pitt are seeing prices drop by upwards of $250+ from their highs. 

If your lender offers the program they should be certified or trained in some way on the program and can answer any questions you have on it.

I think a settlement offer is very possible in either situation.

FHA offers a 3.5% down payment option up to 4 units and Fannie Mae offers a 5% down option.If those down payments are too high based on the purchase price you can again, use a DPA program.

You should located a Commercial Broker in your area to pull Comps for you to determine your offer price. 

I am so grateful for the time and effort this community offers.

Is it better to sell, give my sis 250K and use 300-350K to get smaller home around 575K and restart mortgage 200-275K with current high interest with monthly mortgage probably the same as we are at now?

Does anyone know of any similar offerings at any other banks?

But my plan is to pay off what’s left to own it free and clear and do seller financing. my plan is to offer 15 or 30 years at a normal rate that someone could get from the bank at time of closing.

This implies that this zero risk, high return you seek likely does not exist in RE