It doesn't appear my wife will have to pay anything, her brokers insurance is handling it. 

I'd tell them about the CFD and expect it to appear as an exception on the policy but even if you don't, there's an exclusion in the policy for matters you know about that the company doesn't. 

Also it appears the company they want to transfer the loans to I looked up on NMLS consumer access is not licensed.... 

The area is small but is right outside of Bowling Green (the third largest metro in KY-60 miles N of Nashville) and there is residential construction going on in the area that appears to be selling around $225k on average for a standard 3/2 home.

They appear ok at first, but then they peel because the coating on them is not paint. 

owned by Relianse Extv LLC which was never owned by a Quianlt investments or a David Gerlt.The only file I can find on record is they were a lessee to Ace hospitality managers he is pretty easy to find online, linkedin etc as it appears if its the right one he is an attorney. 

She had to pay rent in May because she wasn't sure when her closing would take place.Landlord appears to have rented it out now.

We've laddered our balloon dates to happen every 2 to 3 years up to ten and will invest in REITs, ETFs and broad index funds as waterfalls hit and valuations appear attractive.   

When I talk to my local bank, the options appear to be only a commercial loan with relatively high interest (currently 8.5-10%), 75% LTV max and maximum amortization of 20 years. 

The grass is not always necessarily greener, though it may appear to be on the surface.