I mean I don’t get it, why not just diy it? The scaffolding can be rented or built. There are videos on the internet it’s not that hard. If you can live with mismatched siding you could probably get nearly free shit off cl and put the kids to work. The permit department will probably work with you to renew your existing permit if you explain the circumstances and bring 2 kids to the permit office those people aren’t monsters. The meager government bailout money might buy enough material to get stuff done. The end game is to finish it all and refi everything into a nice low 2% payment although with automatic approval I could see trying to apply for a refi and hoping it just clears without appraisal. I’d also be selling everything I owned doing odd jobs eating rice and beans from the free food pantry to get that shit fixed.

That being said I dont think that people that put themselves into situations like that really have the tools to get out. And if I were your contractor buddy I’d probably wait till forcloser and pick it up on the cheap then. Bailing these folks out is unlikely to improve there situation for more than a couple years