The property includes a small house with a detached garage, offering significant potential.

I have a metal roof on every structure on our estate (lol) That includes our home, separate garage, well house, large workshop, etc.

You're the one with skin in the game here.

I don't lend in NY (we do investor loans in most of the country and consumer loans only in FL, but we do nothing in NY), so I don't have a dog in the hunt here, but don't discount other types of loans, including a loan designed specifically for flipping.

My answer is, right or wrong, I put lying about "other offers" as just fair game negotiations that don't really reflect on a person's honesty.  

I wonder how many $M's of dollars the OP has invested in his own real estate empire, or is he (like most of the advice-offering "experts") offering advice with no real personal experience in the game.   

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases.

And then you had to have arcade games.

My wife and are eager to get into the relistate game but are working to gain experience while we build up a down payment to start house hacking.

Payoff included the arrears so its not $95k but the $77k.2.