For cost efficiency, consider using a flat-fee attorney.

The few lenders that offer no seasoning, they typically make you pay for it in high rates / fees.

Cash out refi on the free and clear property doesn't make sense- has a min loan amount and all the fees (origination points ect) and appraisal ext.

That said, a VA loan charges you a guarantee fee that is financed into the loan.

You will have to pay all the usual expenses associated with buying a property: transfer taxes, government fees, title company/attorney costs, as well as a "hammer fee" which goes to the auction house.In theory yes, you could win something for a few thousand dollars.

@Allison Cutlip I’d choose whatever account has the most flexibility and the least amount of fees.

What Percentage over the price would the fees be +/-

Usually 15-25% and they keep cleaning fee.

It may be possible for the homeowner to talk with their lender's workout department and negotiate terms to pay off the arrears, penalties and late fees on a new schedule. 

Is it worth paying their annual subscription fees and do their 30-day rent guarantee mean anything if they aren't refunding the payment?