Most retail investors see deals hit the market only after they've been "shopped" to "pocket buyers," which at that point, indicates the deal is mediocre or not great at all.

A retail buyer might be interested in living in one side and renting the other as the seller has done.You have to determine if this property needs rehab. 

It does not look like she is deceased.The mortgage was modified in 2010 but remains about significantly more than the current retail value of the house would be.

So I searched from soap making , to mobile truck retail stores, to photography.

Only a small percentage of the RCG client base does both, and they are primarily high volume retailers who are seller financing 30-100 loans every year.If you are just doing chattel loans in a community you own, there are other easier and less costly solutions regarding financing homes in a community.

Retail value is probably 15k higher.

I have seen many of the hedge funds buy homes at retail price that are in the higher priced areas, even they know those are better investments. 

If you can close on it and it sounds like it only needs a few thousand dollars in work why would you wholesale it rather than do that work yourself and sell it retail for $120K.I mean you are a broker so retail sales are your bread and butter and much different than selling to investors.  

We also have picked up interest from retail clients including national chains.

I am in the process of making repairs and I have the home listed retail.