That violates the Takings Clause.MD can be distinguished (in fact MD was mentioned in the decision) in that there IS a process on the books for the foreclosed owner to petition the court for the surplus. 

No reason for me to go the through the hassle of the sale process unless there is some type of gain which the investor is open to and this is where I need the advice.

@Alex Washburn makes really good points - the process is definitely not easy. 

If someone had gotten hurt and sued for $1mm then these coverages would have kicked in.Having been thru the claim process on a total loss.

This doesn’t include any raises or bonuses.No kids yet, but we plan to have them down the line.Both of our credit scores are over 800, and we have no debt.The plan:I know sellers don’t always love FHA loans, and they can be tough to get approved for, but I’d like to use one to make this work.

It’s great that you’re being thoughtful about the process!

I plan to use the 10k Club to make money by being a bird dog for times when I don’t want to go deep into the process to make a profit.

I am a broker in the area and I'd be happy to help you through the process.

I am in the process of closing on another house in Oregon.

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.