Sellers need to know, agents need to know, settlement agents need to know and lenders need to know your ability to perform and lenders need to know the source of your down payment.

It will be the settlement amounts that determine.Now, that being said it is absolutely OK to do exactly what your scenario lays out.  

I admit I cried on the way out of that miserable, hot IRS room.We are promised that there will be nothing more that they will need from us.. oh but about 20 minutes after I return home my wife calls me and tells me now they want a settlement statement on a parcel of land I own free and clear.  

Real estate agents, mortgage lenders, title companies and escrow companies are familiar with harried changes to the HUD-1 closing statement and to mortgage documents, which changes often lead to aggravating delays and additional costs.As of August 1, 2015 our closing table dramas are scheduled to come to an end.The Real Estate Settlement Procedures Act (RESPA), Federal legislation enacted in 1974 to protect consumers from unscrupulous and confusing real estate practices, is changing in several significant ways.

There is actually a ton of guidance on many different topics inside that guidance including but not limited to payment allocation, force placed insurance, bankruptcy responses, payoff demands and others topics as they related to the amendments of RESPA and TILA or Regulations Z and X which is what govern mortgage settlement and servicing.  

As I understand, the recent CFPB settlement that punishes Ocwen for reprehensible actions related to foreclosures ALSO mandates Ocwen spend 2Billion on principle reductions for underwater homeowners.I believe Ocwen was supposed to initiate contact with "eligible" homeowners.

He tried explaining it to me but confused me.Now my loan is falling though because they wont use that income and underwriters will not even look a the settlement sheet for poof that it is a glitch in the system... underwriter said to refile taxes and amend the return but loan is denied because of this and THIS HAPPENED 1 DAY BEFORE CLOSING after title work and appraisal is done.

Once the property is completed the new owner can have the city verified the work is done and ask for a hearing to request a settlement of the lien.

You're going to settlement in 9 months?

Pick our a standard Earnest Money or purchase contract... it will be fill in the blanks.2. fill in the blanks IE purchase price  who is buying who is selling and settlement date.3. get it signed and e mailed back by seller.. 4 walk the contract into a local title company and have them process it like any other transaction.pretty simple as you said.. or find a simplithetic realtor who will take 30 mintues with you.I don't know FLA RE law per se the disclosures are usually on the onus of the seller not the buyer so you probably have no issues.. but again a RE broker should be able to answer these questions in 10 mintues