The idea is a mortgage or deed of trust must actually secure a debt for the instrument to be enforced.  

(Que Mission Impossible music.)I have used this method in the past with great success.Pretty hard to live with no water, and that alone should be enough to allow an emergency inspection, and the camera would'nt be a bad idea either.John

I'd like to know which instrument to play, guitar, drums or piano?

The whole 3 to 6 month idea you explained seems to ignore earlier in the story when the security instrument was foreclosed so it does not exist any longer therefore no further delinquency or default can occur.

But the security instrument (mortgage or trust deed) has a life of it's own and lives on and isn't extinguished by SOL.

Can't really tell because you need to look at the source documents, instruments.

@Jim Witten, the 45 day form can be any instrument in writing between parties to the exchange.  

Look at the deed of trust (security instrument), you as trustor (property owner) grant a trustee (usually a title company) the power to sell your property to pay the beneficiary (lender) should you default. 

New Orleans residents and out-of-towners will now require proof of vaccination to enter restaurants, bars, music venues and many more places."

Be an owner occupant.4155.1 4.B.2.b FHA Requirement for Establishing Owner OccupancyAt least one borrower must occupy the property and sign the security instrument and the mortgage note in order for the property to be considered owner-occupied.