I did find this deal driving driving for dollars, the realtor of the property was adding his sign in the front yard, I approached to make and offer. we close in 3 weeks.

The counterclaim states that since the deed in lieu language was part of the loan, the entire loan is invalid.

Points for the loan 1-2 points, so now you are in $3,413 roughly. 

For comparison, a Navy Federal FCU personal loan will be in the 15s%

We are closing on a 2/1 condo tomorrow with a small fenced backyard and a metal storage shed.

There are very few lots more than 7,000 sq ft in this area, and small townhouse like homes will not sell at 2.4m, the only homes selling at that kind of price are single family luxury homes.

.~ I will most likely purchase the first home (multi-family) using a bridge-DSCR loan combo or a FHA203K (3.5-20% down). 

The SST doesn't apply for legal 2-flats so if you want to use FHA it's probably better to target those that maybe also have a non-conforming basement or attic unit.This is why the 5% down conventional loan is a game changer for house hackers.

You can find comparable sales in 2017 and use that dollar/acre figure to arrive at the fair market value then. 

However, the ex wife name remains on the loan itself.