With the low interest rates we have had recently I have tried with several lenders to do a streamline refi and or try to access some if any equity from the property.

They are asking 299,900 Land locked, no room for expansion.Total Income     22,187Insurance              189Liability Ins.           767Interest Expense   174Loan Interest     10534Labor                  6400Repairs                 646Supplies                90Taxes                 2532  (Not sure what value amount this is on)Telephone            841Utilities (G & E)     802******I talked to commercial lender today and he said they require 30% down, financed commercially at possible 5.3 to 5.6% + for 15 or 20 years.  

I actually came across a note last week that cannot be foreclosed on (previous lender tried and judge ruled in favor of the borrower) 

Neither a private lender nor an owner is going to be willing to have a 3rd position mtg, and unlikely a private lender will take a 2nd.  

Account Closed - You would have a difficult time even if it costs $25k and you put $25k into the deal with an ARV of $120k to find a lender, as you have no skin in the game.

If anyone knows a lender that would be able to loan us enough to pay off our immediate needs which would be around $17000 with 1 low monthly payment for 12 months both my husband and I would be very appreciative.  

I contacted North American Savings Bank, and I'm hoping to find other lenders to compare the rates.

@Mark Davis  Each time there is a transaction with a loan involved the lender will require a new, updated title search and a lender's title policy.  

The property is in Fayetteville, NC but I'm willing to work with outside lenders. 

If you rent it, true you might be able to get rent to offset the mortgage, but also keep in mind that some lenders will not treat your rent income as rent income until you can prove to them that you have done this for awhile.