Help with buying Mortgage/note in Florida with LOST NOTE

[Ray Slack]

I'm looking at buying a mortgage in Florida but the note is lost.  The seller will sign a lost note affidavit but not sure what good that is.   I know you used to be file a lost note affidavit and court would allow you to foreclosure but in my current research I have seen several appeal cases were the courts said the banks didn't have standing if they didn't have the original note. 

Anyway, I'm looking for advice.  Suggestions? ect.   Is it worthless if the borrowers decide not to pay?

THanks for any help.