Their ability to scam to the next level is not unheard of in certain communities.one way to find out is checking their own and family bankruptcy filing, some of them are bankrupt due to gambling and going in and out prison, is not that uncommon.

You can not rely on rental income to help you qualify on a 2nd home transaction, and you can put as little as 10% down on a 2nd home.As for the 2nd part of your question: "Cash offer on distressed home in the Winter, rehab etc" - if you're paying cash, there isn't a loan, so you don't need to declare/specify occupancy when paying cash.

Foreclosure itself can be delayed by either a Temporary Restaining Order or a bankruptcy filing. 

For the bankruptcy properties, we contacted the trustee phone numbers on the website, however, they usually just replied to ask us to look for debtor's attorney.For short-sales, we searched the listing on zillow.com, but majority of them are off market.We used BP recommended realtor and asked if they can help with the properties we targeted, the realtor searched for a week of the foreclosure ones and get back to me that she believes she will not be the right partner.

Unless it´s a screaming deal, do not buy a house from someone going through bankruptcy.7. 

Actually the role of Tax Title Services would be to research the title and declare it issue-free if that is their conclusion. 

Make it market rent and declare it. 

Also understand that just because its in foreclosure does not mean it will go to foreclosure. the borrower can work something out with the lender or file bankruptcy as well.

It might also be worth looking into any federal or state disaster relief programs that could provide assistance, especially if the storms have been declared federal disasters.Hang in there, and I hope you find a solution soon!

In your experience, how do you weigh each factor—like FICO, LTV, or prior bankruptcies—when making a decision?