One of the options you have - if you get immediate possession before settlement - is to market the property for MORE than you paid for it - you could make a quick $10-20,000 within a few weeks - there are lots of moving parts in this technique - but if you call me - I will give you some ideas.I own a Auction Company in Baltimore.

Later you mentioned after prorations you had to come with 6% cash, what other items on the settlement statement added up to 4% lowered your DP to 6%? 

If they don't think they can win they have incentive to proceed and force you into a settlement that costs you your attornies fees and theirs.

Cashflow Quadrant is great for developing a framework on how to think about investing, specifically using assets to buy/offset liabilities.

I wanted to have several deals done successfully with my own capital, & have the framework down before I take other people's money. 

Then there is the magnificent duo of Peter Andrews (https://casetext.com/case/wiedis-v-dreambuilder-invs-llc) and the lovely Madden family (can't find any court records at the moment but I personally know one attorney who is in settlement discussions w/the Maddens for non-payment of fees, as well as 3 sets of investors who have been treated by the Maddens similarly to the way Ryan has been).  

He told us to come next week  to see if any settlement could be reached.

You probably paid some deductible property taxes at settlement and purchased a rental dwelling insurance policy (the policy premium is deductible if paid last year). 

In 2011, the United States District Court for the District of Nevada entered a consent decree (a settlement of a lawsuit where a party agrees to take an action without admitting liability) on a this issue.

@Chinmay J. did you review sample settlement statement from both lenders?