Let me first disclose that I wrote QuickBooks for Dummies, receive royalties from each copy of the book that sells, and so have at least the appearance of a conflict of interest.One important qualification: I wrote the version of the book that's been selling for three decades on the desktop versions.

Many lenders do not disclose until you are close to closing. 

You went to extent in arguing on it to NOT have it fully disclosed and comprehended. 

Most lenders want your down payment to come from your own funds (seasoned cash) so you’ve got equity in the deal.That said, some private lenders get creative, a seller carry can sometimes act like part of the “down payment” or sit in second position, but it depends on the lender and has to be disclosed.

Most lenders want your down payment to come from your own funds (seasoned cash) so you’ve got equity in the deal.That said, some private lenders get creative, a seller carry can sometimes act like part of the “down payment” or sit in second position, but it depends on the lender and has to be disclosed.

She was upfront disclosing her pending Chap 13 and staying with a family member more than couple of years and want to rent her own with her kids.

Using the 37% marginal rate based on the income you disclosed, the tax savings on $30k of passive losses would be about $11k.

These service providers similarly omit charging order protections are rarely relevant in real estate related claims because its far easier to place a lien on the real estate where there's security that clouds title, they fail to disclose the management LLC will not stop the plaintiff attorney from filing a claim against the property owner.  

I am apprehensive about the strategy to reach out to them because if I disclose my closeness to the property then they may put unrealistic expectations for the sale. on the other hand I think sharing that information could allow them to see the fondness I have and be open to negotiations and potential sale because they see I will take care of the property and not just a guy looking for a deal.I am currently out of state from where the property is located for context.I am wondering if anyone has any good ideas to help this maybe run a little smoother and have a higher potential for success. 

Either the seller knew there was a problem and did not disclose it, or your tenants use (maybe ran a grow farm) mandated the change.