Pardon me tagging you, mobile doesn't allow a general reply to thread.

You should have titled the property in mom's name, with a mortgage and an option to purchase it from her for the $75,000 at any time to protect you, if something happened to mom.

It takes about 90 days to receive my title.

He wanted to do a double close (I would receive my money back plus the 7% or 12% interest within 24 to 48 hours), and have me wire his fake title company money.

I got a letter from my mortgage company that said I can move the title into an LLC if I like without triggering the due at sale clause. 

Though, you may just ask your title company.

The 1st lienholder, being JPM by the sounds of it, is within their right to foreclose and will knock the HOA buyer off title. 

Any advice or personal experience that you can share would be greatly appreciated.Corey Hi Corey, I would advise doing the title change when you close on the refinance loan instead of doing it prior.

There may also be costs associated with setting up the accounting for the shells, and preparing inital shell formation meeting minutes, etc...You will also need separate bank accounts, and a war chest of money to defend them if/when needed.Ask your asset protection attorney vs salesperson for a quote on the cost to defend, and how much it will cost to move title to the shells.Find out if moving the title creates a taxable event for you with the IRS re.

I did however forget about $3,000 from title, attorney, appraisal fees, and $2,500 during buy, in the calculation from the image I provided so thank you for that.