Do the math to find out what their usage was and bill them based on that.

Consulting with a local real estate advisor or financial planner can provide personalized insights based on your specific situation. 

Here are the numbers (rounded up):- Original purchase price ~ $180K- Current value ~$230K- Remaining balance ~ $140K- Mortgage payment + HOA ~ $1,300- Current rent = $1,700To calculate ROI at the current time should I base it on the initial investment amount (downpayment) or the current equity position?

Even in an area like Lynn (North Shore) the margin between gross monthly income and all expenses based on an $800k property would net us approx $-2500/mo.

This will vary based on the owners specific situation and tax regulations in your area.

Unfortunately based on the info, you did not uphold your terms of the agreement and the lender has every right to pursue this.

Thank you. nice to meet you my name is rob we focus on investor based new construction wholesale single family and multifamily pricing as a strategy for either hold or spec builds for a profit. good luck!

Since you’re not paying fair market value for the property, any legitimate claim can, probably successfully, convince a court that the “sale” was a fraudulent transfer.As to what to do, you’re not going to find an answer with which to base a decision on in an online forum.  

Outside of the opportunity to build my knowledge base on how things flow from an investment standpoint, I am given the opportunity to do something in advance before my clients.

Outside of the opportunity to build my knowledge base on how things flow from an investment standpoint, I am given the opportunity to do something in advance before me clients.