This said, if the deal can cash flow the debt and buying a property using HML is the only way you can acquire it then it may make sense to buy it and then wait the required seasoning time required by your lender of choice and then refi.Alternatively, if you are short say the additional 10% then you can ask the sellers to careyback 10% if your lender of choice will allow you to use that amount to qualify you at their 80% LTV., and many will allow you to qualify under such circumstances. 

Hard Money Lenders - Can be useful but not my personal choice rate and rates are way too high6.

It's your own business choice that only you can make.Perhaps it's time to start a relationship with other banks.

You then need to determine what choices need to be made, and what actions do you need to take to reach those milestones and goals.

I have no choice but to take legal action.

Now, if you are the type that like to pay things lower, you can still pay extra, but I like to have the choice to do that rather than the commitment.  

I probably limit myself in what I'd buy, however I only want to purchase in certain areas of our metroplex and deal with certain types of people by choice.  

Keeping cash on hand right now wouldn't be a bad choice.

Normally I'd call the plumber, pay him, and bill them.Sounds like they are falling on hard times and will be out of your property soon.Your choice as to let it go or charge their security deposit - perhaps splitting it with them is a good compromise.

I guess keeping it will be my best choice.