Kat, As you state no contents at the risk you might ask to take that off of your policy so you wont pay for something you can never need.Additional living expenses  ALE cover the same thing as rental income loss reimbursement. 

For a cash out refinance - yes you need equity to be ale to take out.

@Justin Custer, I just set up a meetup in West Seneca. 7/9/16 7pm Rusty Nickel Brewery on Seneca behind Ebenezer Ale House. 

So anyone out there who may be ale to assist me on those areas, your help or tips would be greatly appreciated.  

There is a REIA that meets every couple of fridays at the Palm Beach Ale House for lunch.

PB REIA meets every other Thursday at the Palm Beach Ale House for Lunch and Learn.

As you admitted you're clueless about the foreclosure process, you are also clueless about the short ale process, the implications of different situations, the damage you can do unintentionally. 

@Liz Collier @Shelby Osborne just covered the topic of VA home loans at our local meet up group (Pints & Properties) this last Saturday at dirtbag ales!

If you have a go to agent I would reach out to them and see if they could do some digging because agents should be ale to get a bit more info than you are seeing.

Here is what I have for expenses Mortgage $ 135.00 taxes $ 85.83 insurance $ 34.58 utilities $ 65.00 maint $ 60.00 vac $ 30.00 total $ 410.42 Mortgage is based on 35000 ale price with 20% down.