Another notable point is that the owner now owns the deed free and clear so there is no outstanding mortgage obligation to her.The last thing is that the building had been on the market for over a year and was originally listed for 149K and she has been methodically reducing the list price by 10K every 3 months.  

Outstanding!  

So it is very possible these properties have outstanding mortgages and I need to do my homework on the title search

The other issue is that they don't allow any changes to the purchase contract...it's their way of the highway so you basically have no rights in the transaction.  

Almost every major highway is under construction at the moment (I don't miss that) and traffic is always a joy to be stuck in.  

Another example from the same auction where the certificate holder didn't come out as well is this onehttp://www.pinellasclerk.org/tributeweb/ShowPDF.as...The certificate holder had the 2010 certificate with 2008-2014 all outstanding.  

As long as the relocation meets the two requirements above.Increase in Family Size - A borrower may be eligible for another house with an FHA-insured mortgage if the borrower provides satisfactory evidence thatThe has had in increase in legal dependents and the property now fails to meet the family’s needs; andThe loan-to-value (LTV) ratio on the current principal residence is equal to or less than 75% or is paid down to that amount, determined by comparing the outstanding mortgage balance to a current residential appraisal.Vacating a jointly-owned Property - A borrower may be eligible for another FHA-insured mortgage if the borrower is vacating (with no intent to return such as divorce, legal separation, etc...) the principal residence which will remain occupied by the existing co-borrower.

That sounds outstanding Chris!!

I focus on Lake county and south of the highway.

* Current outstanding loan amount?