You can try sending letters and postcards to homeowners in the areas you are interested in.  

Those also exist both online and in your locale, terms are 12 months, interest only with the principal due @ maturity in a balloon payment.

If you're cash strapped, my best mailing campaign has always been white letters to probate leads with hand-writing the mailing address on the envelope.  

If the seller could find a professional engineer that will sign a letter that says he inspected it and that the work was done correctly, the city might accept that engineer's letter to resolve the issue. 

That's where you would send a letter.

@Wen Guo I would ask for a letter from the bank first, just to verify why his account is frozen.

Take the list of people looking at losing their homes and then first, send them letters.

(Usually not, for  most landlords) Do you require a certain number of months in the same job, unless someone has a social security or disability award letter?

If $195K is the price I'd offer them principal payments of $541.66, which equates to a 30 year amortization schedule, but obviously it would balloon in 10 years if we assume they agreed to 10 years.  

Earlier is better, of course.You will need an authorization letter from the borrower, allowing the lender to talk to you.