Also, keep records of your contractor’s issues in case you decide to take legal action later.

The parties can pay off the note for principal balance, late fees, penalties, back interest and legal fees any time before the actual foreclosure.  

Legal action in progress. 

I think it depends on your goals here and this is likely more of a legal question than it is a tax question.

The system was set up to allow those claims to go through, and with the right legal help, insurance companies would often settle to avoid going to court.

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Also its work they asked for and was something that was a very big complaint when we did a walk through before we bought the property and we are following through with it so i don't understand the resistance.

Also, there is the issue of the legal ST rental regulations, which can be an advantage compared with the US or not. 

Could you legally begin to rent this unit in December?

I’ve read the legal paperwork regarding what’s done in order to quiet the title on a tax lien property.