The prior owner, a mentally-challenged man, had died in 2018 while in long term care. 

You also did not give them any firm instructions about how to handle this.

Catch all the red flags prior to submission cause once you submit a file that has uncaught red flags, that's when your process slows and lender's get nit-picky.From a lender, I want you to work fast, if I am hustling on my end to make it easy for their processor and underwriter then I expect fast work with an open line of communication and I want my rep at the lender to be able to fight for me or my clients should an obstacle arise - which they usually do.

You can usually just quit claim the property to an LLC - but you will want to consult your mortgage company and/or an attorney about this prior to doing it. 

Hi,My wife and I moved into our current place about a year ago, and converted our prior primary residence into a long-term rental.

Separately, there are plenty of ways to get money out of retirement accounts prior to retirement age (Roth conversion ladder, 72(t) distribution, or just get the match and pay the small penalty).

https://incometax.utah.gov/instructions/married-couplesWe would spend roughly half the year in each location, my husband will spend more time in NV running his business and I will spend more time in UT setting up the basement rental but the majority of our time will hopefully be together.

When homes are pulled in a safety inspection must be paid for prior to the home being occupied.

prior to apt. 

The bank stopped just short of requiring a colonoscopy and hired an incompetent attorney to draft the loan docs requiring unnecessary back and forth with the title company prior to funding the loan.