I wouldn't stand up if I knew I'd done wrong.

I got a hold of the owner by looking up his information on the county website.

You would need to notify them in writing that you will not be expending their lease and they will not be transitioning to a month-to-month lease. 

I understand that if I rent this ADU out, then I can have a tax write off on the mortgage payment and insurance payment for the the ADU's sqft portion.

Leaving out auction and foreclosure costs for a second, when you write that check for $220k the trustee is going to pay BigBadBank the $175k they are owed first, then he's going to pay LittleBadBank the remaining $45k, and you will get a clean title as the process is going to wipe the slate clean.

If the costs for home buying goes up for first time home buyers then the results will probably be that less starter homes will be moving in the market unless non profits and the sort step up.

I would write a letter to the editor talking about the corruption or laziness of the cop, his boss and the Chief of Police. 

Before any mediated settlement is binding, the parties to the dispute must agree to the settlement, in writing.

Quite a bit of equity built up.

In trying to be more helpful, I came up with two additional ideas:1.