She's being denied a loan modification because her payment is "affordable" compared to her income.Possible solutions: Her mortgage balance is roughly 125k and her home is worth about 270k.

The lease states:"...upon termination of the lease, the entire remaining balance of unpaid rent for the remaining term of this lease shall accelerate, whereby the entire sum shall become immediately due, payable, and collectable."

Little Flower Neighborhood in Indianapolis2BR 1Bath BungalowCurrent Loan Balance: $38,000Seller's PITI Payment =$380 seems high, but maybe not?

If each unit is worth the same $1800 a month, it is obviously cash-flow negative.But you need to live somewhere, and if having the second unit helps keep you own living costs down...In balance, seems high to me.That said..."

The balance is what is left unpaid.By the way, the city does not charge for new water meter replacements, but they will load unpaid water bills onto the tax bill if they are still delinquent when property tax bills are generated.

With that said, I've negotiated a number to owner/seller financed deals for a little as $1,000 to $5,000 down where the owner finances the balance. 

It would be annoying to have to chase up renters to settle the extra balance of their utilities.  

Basically it will state something to the affect of: If your loan balance is paid in full prior to the loan maturation date of ##/##/#### buyer will be assessed a pre-payment penalty of $#,####.##.

I kept an account open with them that I opened in 1990 (tiny balance) but I never use it.I completely forgot to check with them...but thanks for the reminder.

She has balance issues and continues to fall.