@Julian Buick@David FaulknerReasons an individual  note holder might sell a $20,000 UPB for $12,000 right now:Death, illness/medical bills, qualifying for government benefits, nursing home costs, bankruptcy, divorce, law suits, business needs, their grandchild gets arrested for drugs and needs an attorney, they may have 90 days to move granny into their home and must remodel accommodations, they may be tired of collections and the tax headaches and servicing.

The vacancy number is the one I hope to NOT have to worry about - this property has been continuously rented to medical and dental students for the last 25 years, and most of the new tenants are referrals.Thanks for the feedback!

I rented out rooms in a house that I rented, with the owners permission, to medical students doing externships in Seattle back in the 1980s.

Retail, grocery stores usually hang around long term, medical offices are good as well and often they may end up buying.

I work in the medical industry at the moment and I like having the secure job.

Do they need cash to pay off medical bills, are they trying to send a kid to college, or are they just looking for a stream of retirement income.

We believe these improvements would help get a long term lease from a medical professional in the hospitals next door.

@Jacob Lair Some family medical issues have come up that wiped out most of my investing money.  

Looking for an investor friendly real estate agent within the inner loop including for example South Union, areas surrounding Medical Center, East Downtown (closer to concrete solos), North Downtown (near light rail), the Heights and similar who is familiar with BRRRRing, buy and hold, small multifamily (if available) and small - medium sized lots.

I believe there is still a ton of growth potential in Larkin, South Buffalo, First Ward, West Side (Niagara St), Medical Corridor, Black Rock, etc. where you might still see those 20 - 50 % increase in value over the next 3 to 5 years...