How long has it been since they have had any defaults,charge offs, and repos?

I see you said they've had 2 12 mth leases. So thats 2 years of stable payment.
I would start by talking the the company that hold the note now and if that doesn't work, There are alot of secondary mortgage companies out there. They will get raped on interest rates but if the pay good for 18 mth they can refinace.



I know of a few places up in huntsville that might tote their note. I'll get their # and pm them to you.