I am sure something like this exsists in NYS and no - you don't want to make ANY modifications to a court tested lease.We have case law in Wisconsin where landlords had to pay 6 digit numbers because their lease included what Wi law defines as 10 deadly sins - and they are not super straight forward, so even attorneys' leases got caught. 

-Seller did a  successful loan modification where as of Aug 2025 they will reinstate his loan at $74,783.53-Current balance is: $308,992.35Total debt is: $383,775.88First new payment is due 11/1/2025 which he will not be paying. monthly payment went from $2568 to $3737. 

The one modification I made to this schedule while listening to the book was to write down my quarterly goals on the daily tab instead of my annual goals.

In reality, that’s not always the case.I’ve seen situations where:A loan modification gave the homeowner breathing room.A repayment plan reinstated the mortgage.Equity allowed them to refinance and reset their financial footing.For me, this was a mindset shift: foreclosure doesn’t always have to mean “lose the house.”

My understanding is that ALL loans are now required to have a conference with the lender to see if a Loan Modification will work.But, here is the difference: if you're talking about buying at auction, that is clearly defined and has a straight path.

I believe it's on them to pay for any modifications, and restore upon move out.

My other modifications from The Oracle of Omaha's advice is diversification via "O" and "GLD".

In talking with them, each unit will require two parking spots and depending on permeable/semi-permeable  options, will require storm water modifications.

The fact that the tenant does not have to pay to restore modifications that were made for their benefit. 

In many cases, it involves:Helping owners explore options like loan modifications, forbearance, or refinancing.Working with lenders to negotiate timelines or repayment structures.Educating homeowners on alternatives they might not even know exist.From what I’ve seen, a lot of homeowners assume that talking to someone about foreclosure automatically means they’ll be forced to sell.