Then read up on Unfair, Deceptive, or Abusive Acts or Practices Act with the same thought in mind.When you are done with that, consider you lack a Compliance Management System so the IRS, the FTC, FinCEN, and OFAC might also want to visit you in addition to the CFPB.

Welcome Jaime, Do not let your youth determine what you can and can't do, stick to what you believe is possible...Aside from putting bandit signs out and assuming you don't have a car (yet), try walking-for-dollars, get to know your neighborhood and see if there are any properties that look to be in bad shape.

So, figured I'd get a cost first and try to determine where accountability stands here.Thanks for your help guys.

That said, the IRS has pretty flexible guidelines to look at the facts and circumstances and make a decision.  

@TerenceJ , @LuciaR3Im not the typical real estate agent that has been in the business for 10+years, but what I lack in experience I make up in hustle and determination.

The Determined shall prosper!!

I see a lot of backyard extrapolation of what the original loan was to determine what the loan is now. 

Insurance looks right, but the way to determine that is to have your insurance agent (in NH) get a loss run report and quote you ahead of time. 

Unfortunately the rollover will be from tradition IRS established before the Roth IRA was born in 1997.  

From what I keep reading they state that agents, brokers, property managers, etc are major resources for finding data that I could use/crunch to determine property value more accurately.