Can someone help on this?

I have a potential client, with a FHA mortgage.  They almost certainly will qualify for PFS, and the property probably will, also.

They have a partial claim where the balance is 15% of the estimated value.

My understanding of 2008-43, is that the minimum net must be after paying the partial claim in full.

So there is basically no way to achieve even the 84% minimum net required by PFS.

What are my options on this?  Is HUD likely to approved a variance?  And if so, which one?  Relax the 84% minimum net?  Or, relax the full payment of the partial claim? 

Or does HUD just say, sorry, foreclosure...