Them reaching out was a gesture of good faith, and it was very much appreciated.We were able to come to modified terms of my enrollment that took into consideration my special circumstances.

I have a modified idea to this @Austin Fowler that honestly, I hope I am wrong about.... 

Would you modify or add any additional tips for those wholesaling commercial real estate?

Do you modify any of your leases?

Can be somewhat modified by terms, confidence in buyer/seller following through with closing, or speed of transaction. 

If your modified adjusted gross income (MAGI) is $150,000 or less and you actively participate in your rentals, then you may qualify for the $25,000 passive activity loss allowance.

Our notes that we purchase are commercial mortgage, usually partially in default, and we usually are in contact with the debtor to “modify” the note in a way that allows the borrower to make payments.  

Wave is a cloud platform that is not as detailed, but can be modified easily, and the basic version is free.   

Tried to get them to modify but they were not interested.

At the very least, you’ll want to know if modifying ownership without updating the guarantee could trigger issues down the line (like a default clause).If avoiding a full refinance is the main goal, maybe check if your lender would consider a partial assumption or internal modification.