SIDE BY SIDE on a quiet South Nyack street with striking Hudson River views, Jeanette Corvino and Jeffrey Hall have each been trying to sell expensive houses in a challenging market. But the similarity of their neighboring situations ends there.

Ms. Corvino has a four-unit Italianate Victorian that she bought as an investment property more than four years ago and now needs to unload before a balloon payment on a second mortgage comes due.

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