Modifications require a balancing act where the borrower makes enough money to afford the loan, but also suffer a hardship that prevents them from making the original monthly payment.

While in America, please remember to look downward when it rains to prevent your drowning, most property owners here don't give a rats' tail about red lettering!

I was able to bring the payments current and prevent the foreclosure process (something a realtor would NEVER do).

The seller said this is to prevent annoyances to the renters.

A bankruptcy 10 years ago won't prevent you from getting a mortgage.  

Suggest immediate structural fix.ØSeal up 12 inch flue hole in garage roof to prevent rain and moisture from coming into garage space.  

Hi Kyle,If lack of cash is preventing you from buying your second rental, I'm sure you can find other means to increase your cash reserves.  

It helps them too because it prevents them from falling out of contract for a 3rd time.If they won't go for that, maybe make an offer with 10% of the price in escrow to go towards repairs.  

I paid my handyman (and his HVAC Tech buddy) $400 to install the unit and reseal the flat, asphalt roof around the unit. 

I would start working with the bank right away to prevent that.