I want the seller I purchased from to pay for repairs, legal fees, etc......better yet be made to buy the home back, and compensate for loss of value. 

Something is definitely wrong here. 10-year ownership -> gutted/incomplete work -> wants to sell off-market (possibly to save broker fees & minimize losses?)

Not always a bad thing if you are doing the long play and looking to take a loss on paper for depreciation.

I would put more weight on the 6% who took forbearance and now have 4 payments due at once.

If she is trying to weight her "position" to sway you then she is in violation of virtually any HOA CCRs and bylaws.

A separate summary spreadsheet brings the sims together for easy viewing, passive activity loss calculations, and my overall return calcs.

I totally understand the purpose of the eviction half due to loss of employment etc., but this is starting to get ridiculous if the landlord can’t reclaim their property and have to just watch it turn into a drug/gang member house.

On the other hand, I don't know your entire financial situation, loss tolerance, market, and other factors.

Covid, job loss, death.... ugh!

For example, it the rate is 3%, but my investment only produces 5% return this is not a good use of the money (and if the return in taxed will be a net loss for higher income people).