It is not customary for a borrower to get credit from a lender, especially thousands of dollars in credit since the money received in credit would be better spent reducing the interest rate.

I had $47k of student loan debt from a pretty worthless MBA, $13k credit card debt due to car repairs, medical expenses from a car wreck, basically my life was a mess.

The only collections you might choose to ignore are for medical procedures and maybe student loans.

Vacation property deductions are reduced according to the percentage of time the unit is available for rental versus time allocated for personal use.

I'll still eat dinner even if my loan terms result in reduced cashflow.

Try to get the lender to reduce the payoff, including fees and back payments.

If you can reduce the amount of prep work they have to do so they can just come in and blow it out with a sprayer and then paint the trim separately (usually you want the trim a different color) that should reduce the price.

Amusement parks, Major sports teams, Cultural events, etc.World class universities and medical careTransportation hub serviced by every major airlineLowest crime rates in the countryAll of those things help properties maintain value, and keep the demand for real estate strong.

Then buy at the higher cap rates at greatly reduced prices.

There may be a back story (fight, medical issue, silly accident, etc.) but the black eye would only be part of the story.