Their plan is filed with the court and the court and the creditors object or agree to that plan.

You have a great plan.

If you want advice on real estate investing and the tax and financial strategies associated with it you should work with a tax strategist with real estate investing and financial planning experience. 

We tried getting them on payment plans but it didn’t work.

@Andrew GrantI think one of the biggest differences between H&R Block and someone from this forum is their ability to help you with tax planning as well as filing.

As others have mentioned, consider borrowing from your 401k plan instead.For those comparing the returns from passive investing in stocks and bonds with active investing in real estate, that is comparing apples to oranges. 

I now plan to sell the property in January 2025, or Spring time depending on market, and am hoping to avoid capital gains because of the 2 year hold period.

It's not that lenders do anything on their end to fix your score, but they can pull your credit report and identify the areas that are harming your score and then set up a plan to help you fix those. 

Get a hold of them and they can put you in touch with retired execs that can help you put together a plan.

Of course I plan to have the cousin apply just as any tenant would, but would you create an entirely new lease?