Let me step off my soap-box and continue...Even if you have the legal standing to forcibly have the occupant removed, you'll likely be better off presenting yourself as someone who is on their side (to a limit) in an effort to negotiate their departure from the premises.

Get to the root source of the moisture problem and remedy it.Then do the following.1.

The many hours working in construction rooted a great interest in design, ended up going to college, graduated with a master ’s degree in Architecture in 2009, and have been working for a Boston architectural firm since then.I first witness the power of real estate through my father.

This will cause them to get top heavy and they’ll either fall over because the root ball can’t handle the added weight, or they’ll just snap under the extra pressure.All this I envisioned happening to the roofs and power lines around these vacant houses as I lay cuddled up in my warm bed.Since we had no tenants, all we could do to protect these properties was get faucet covers on the spigots, make sure the heat was on and pray that a pine tree didn’t snap and cause the power to go out.

The thrid step is cleaning the area with soap and water and then treating with a residual chemical.

I believe this is from the tree’s roots lifting up part of the foundation.

The "Goo" then hardens and keeps the slab at height (for a while), because it's tree roots and soil conditions that make the cement move.Sometimes they drill hole to inject it, sometimes they come at it from the side.It's FAST..you can look it up on the web (see YouTube).For the Mockups I use GIMP....it's like Photoshop with less features, but enough to get the job done.There is a learning curve to it.

Fundamentally, it is a simple four step process: 1) Identify the problem. 2) Determine the root cause of the problem.

There are still "exchangor groups" around and a national group that keeps a presence and serves as a watering hole/resource group for those wishing to attempt this kind of exchange.Just the thought of another multi-party exchange makes root canal feel like a day at the beach!  

After speaking to HECM Counselors, I have a partial follow-up on my own post...The reason why such information is elusive is because the answer to the root question - what's the minimum LTV for a HECM - is, "It depends".