This shocking truth opened my eyes to the importance of maintaining an accurate and up-to-date financial statement to secure financing.To navigate the world of real estate financing, it's essential to recognize market preferences and loan-to-value (LTV) restrictions.

For this to work you need to have lived in the home for at least 24 months out of the last 5 years of owning the home from the date of sale.

I got the current owners (person who is selling me the property) blessing to post the house for rent right now with a move in date of August 1st if I wanted to. 

., treating the IRA as their own, doing a "spousal rollover" to a new account, and not being required to take minimum distributions until their required beginning date.

This used to be 6 months but changed last April. see link:   https://capitalmarkets.fanniemae.com/mortgage-backed-securit...So, you would just need to wait to CLOSE 12 months and 1 day from the recording date on your current mortgage.

There is not a lot of new construction occurring on the Oregon Coast and older homes can be dated.

At what point do files matter to me as a buyer is it the date of the mortgage or the date of the foreclosure because I noticed some foreclosures can go on for a long time which gives the property more time to add more liens and such to the record pull? 

Property taxes, Insurance, Utilities, Mortgage payments, sometimes you may also pay a vendor directly, etcYou should be giving to your CPA the form 1099, Year to date PM Statement, form 1098 along with expenses that you paid for directly outside of the PM Company.Best of luck

St Farm is probably going by the last date they see for any Claim or Permit (if any). 

For Realtors, most MLS's also offer an assumable search (for those that are identified correctly) when noted investors can find this information on additional details at the bottom of real estate sites like Zillow and Realtor.com under 'Terms' usually it will say conventional, cash, assumable...Title companies can be helpful with verifying the original loan balance and original note date which is a good indicator of the sellers note rate and how much principal they've paid down based on an ordinary amortization schedule.