The reason for this is they should probably settle the estate quickly, vs some long term play. 

They've always wanted two years of tax returns.I know everyone says you "don't need anything" for DSCR loans, but I've always found that you... do.The key difference is of course that your DTI ratio plays no role in qualifying for the loan.I obviously can't speak for OP's experience and don't know who her lender is.

So, we encourage you to play-the-game.WHAT TO DO?

So debt to income will come into play.

Real estate investors are attracted to medium-term rentals to gain the benefits of extra cash flow versus long-term rentals while avoiding regulatory risks, high turnover, and intensive management of short-term rentals.While many investors are now turning to medium-term rentals to build their portfolios, the lending world has unfortunately been a little slow to keep up.

It is true that the 1% rule is definitely hard to find but most investors are loving the equity plays and appreciation gains every year. 

I am not sure where insurance settlements come into play, but likely ahead of your position.  

You can see regularly companies and some individuals here on BP that like to play games and it happens to them.   

She's stealing money from you and then playing the victim when you refuse to let it continue. 

It'll be interesting to see how the 2 foreclosures play out.