Also lot of insurance companies to give new quote asking for proof of new roof replacement otherwise not giving quote which concerns me as my roofs are very old replaced by previous owner or original roofs. 

In Florida, two roaches are nothing to be concerned with.

The most concerning is the stuff that is beyond anyone's control or even due to the lack of judgement or intelligence by a guest.

The inability to scope the sewer line is concerning, as you mentioned, there could be blockages or other issues that need attention.

Don't mean to be a boomer (or more accurately a Gen Xer) crapping all over the new tech, but the unvetted use of ChatGPT to answer nuanced, grey-area questions can lead newer investors into dangerous territory. 

My concern is can they foreclose on these properties now that I own them even though the mortgage contract was in the old owners name?

I appreciate everyone's contribution to the concern, however a few had me much more stressed than needed!!   

As for the construction loan itself, I'm not concerned as many available options will cover 100% of the development,  Thank you  

Many cities in the NW will require a permit to cut those down I know where I live you cannot cut a tree without a permit and you need to get an arborist to write a report that the tree is a danger. from what i see I dont  think the arborist would need to go on the other property to do a report but leaners can stay that way for years and years. 

I’m not necessarily concerned about being able to pay back the HELOC.