investors can figure on 10 to 12% return on PMLs   generally they are short term 6 months to 18 months.. in my 40 plus years at PML I find most investors started as landlords then tire of it and start to diversify.

Hard money loans can be an option, but they often come with high-interest rates and short repayment terms.

For $10K and a lower rate I'd be willing to consider delaying...but only if I knew that lender two was solid on closing in a relatively short timeframe.

Very informative, short period of time.

In short it's this: Seller is facing foreclosure nightmare.

Quote from @Henry Clark: Quote from @Christopher Lynch: I should have been a bit more descriptive.

Short of that, you may target employees of Canada-based companies with a presence in KC (this is easy to find on LinkedIn).

@Shawn Questa I agree with you that there could be some opportunity here, but personally, with that little equity in the property, I'd wait for the pre-foreclosure process to start and  perhaps you can do a short sale (though I don't know the details on how that's handled in TX).

It's usually someone with a high W2 income buying a primary then doing Mid-Term or Short-Term Rentals with an ADU. 

In short, you ride the 'coattails' of the previous owner's taxes for the first year.