They are useless until you hang them on doors.

The bad news is, they still technically own the panels until it’s paid off, so you can’t sell the home with “clean title” while it’s hanging out on record.So yes — a negotiated payoff is your best play.

One of their so called instructors from one of the training sessions asks the students to go to the five star hotels, or go play golf, or go horse riding, or go hang out at the high end night clubs for the sake of fund raising.

If you’re trying some zero down or sub2 BS, or an interest rate that is lower than the going rate, then that’s a waste of everybody's time and I’m hanging up the phone.

Hei David, I kind of relate to your story, im also panic like you  but still hanging around with my property ready to lose $40K as of now, still no buyers for my fix n flip property, I'm also on hard money lending , bleeding like hell, not sure i could still bleed more, or take more loss and get out, my prop is in northrichland hills , TX, near fortworth.

Especially, since your unit is near an entry point - where a smoker would hang out.I'd be especially curious as to what the Bylaws state about required proof.

Come down and hang out with us!

I have deposits to be returned also but hang in there. 

@Mark Cruse I was just laying out all the possible options I can think of on the thread and I would like to see if there was something else I can do to hang on to this property until the pre payment penalty expires in 3 more years, so that I can refinance and actually have some cash flow. 

This is just one example of the many ways to make money in RE.Look at vacation rentals to try and make money and have a place to go on vacation but look all around at other RE opportunities to make money and don't put all your eggs in the same basket.