Regarding NWA, I have spoken to some of their reps (they approached me on here, at one point they were all over BP trying to lure people in and defend their business practices from negative reviews).

Usually, when buyer approaches you without your solicitation, there is a chance that you can defend your position of investment property. 

I have a brother who is a minister which allows him to legally claim quite a bit of his income as expense lowering his taxable income.

In addition,the seller’s inflated commission offer cannot be reduced by buyers or their brokers, as Defendants also prohibit buyer brokers from making home purchase offers contingent on the reduction of the buyer broker commission.Real estate brokers handle most residential real estate sales in the United States.In a typical transaction, separate brokers will represent the seller and the buyer of a home.Both the buyer broker and seller broker(also known as the listing broker)are paid a percentage of the property’s sales price.Currently, total broker compensation in the United States is typically five to six percent of the home sales price, with approximately half of that amount—and increasingly more than half—paid to the buyer broker."

Additionally, an attorney that will defend you & your benefits of having the LLC.

Basically it asks the court to ignore the LLC or corporate status because of wrong doing by the defendant. 

If the hoa names the second mtg as a defendant, their mtg would be wiped out and they’d get any surplus.  

How will you defend your position that the damage wasn't caused by you and your roommate? 

However, these professionals should be defending their clients and not want to offer a referral to someone unproven so this route has obstacles as well.

The Courts generally don't let you defend for someone else.Once you are the title owner, if you want the mortgage lien taken off your title, it is a simple matter to file a quiet title lawsuit asking the judge to remove the credit union (quiet your title).