Its so painful to see my cash lose purchasing power every month so im feeling the pressure to get in quickly.

Then she ran the actual numbers and found out we were losing money by renting out the homes.

In other words, it includes net gain from the disposition of nonbusiness property and property held in passive business activity.High-income individuals are subject to an NII tax equal to 3.8% of the lesser of: [IRC Sec. 1411(a)]1) Net investment income (NII) or2) The excess (if any) of modified adjusted gross income (MAGI) over the threshold amount.MAGI defined.MAGI is adjusted gross income (AGI) increased by any foreign earned income exclusion, net of the deductions and exclusions disallowed with respect to the foreign earned income. 

In this case your interests and the HML's interests are aligned, they know that if you lose the house, you ain't going to be paying them back, and they do not want that outcome any more than you do.

If a property has been on the market for a long time, you are more likely to get a good deal depending on how desperate the seller is but I would definitely do some research on the property to make sure there aren't any hidden liens or large problems that would cause you to lose money in the long run.

You can always find work to pay for your current bills, so you should not be worried "losing" that cash savings.The key here is invest your money, not spending.

Sounds like you have a decent amount of momentum going right now and you don't want to lose any steam!

They look excessive to me.... but you got it done!

First, you have grounds to sue them and second, they can (and should) lose their license.

You have nothing to lose by getting a no-cost pre-analysis done on a property you invested in.