If this is a value add then, depending on your purchase price and renovation costs, it shouldn't be too tough to refi out of that leverage point if you can significantly increase the value.If you are buying at market now, and then just holding it to cash flow without repositioning or adding any value, then refinancing out of the seller financing with permanent debt through a bank or the agencies is going to be tough with your 85% leverage.

However, "suggestions or assumptions" do me no good whether they come from a title agency or a bank etc.

I'd be curious how it's being reported to credit agencies, that data is sold so that could be how the list is obtained.

If so, hook on with a good National or local established real estate agency, pass the exam, and become an agent.

They completely disregarded the court and issued a new, narrower moratorium today.I am increasingly afraid our republic is doomed when Federal agencies ignore Federal courts and unconstitutionally interfere with private contracts.

When that didn't work, I reached out to many agencies and finally found one willing to help. 

If that is the case, you would want to talk to the HELOC lenders to see if you can still draw against it if this happens, as I know my HELOC lender on my primary residence required me to give permission to my home insurance agency to notify them if there were any changes to the policy in the future such as switching from a regular homeowners policy to a landlord policy as they would no longer let me draw against it in the future should it no longer be my primary residence. 

There are still situations in which collections agencies will be better suited(ie. they won't let you report damages).

But more mainstream.

Best bet is turning over to a collection agency and be happy with the 5 or 10% you may see 5 or 10% of the time.