Now interest rates staying flat hasn't helped too much, but we are in the higher season of people moving/finishing school/etc. 6-8 months ago was a bit slower. 

Popular year around 4-season activity area on the 2nd largest lake in Georgia.

Waterfront homes, particularly those with Gulf access, can command higher prices and potentially higher returns on investment.3) Tourism and Vacation Rentals: Cape Coral's proximity to popular tourist destinations like Fort Myers Beach and Sanibel Island makes it attractive for vacation rentals, especially during peak tourist seasons.4) Affordability: Compared to other coastal areas in Florida, Cape Coral offers relatively affordable real estate options.

Also, we're in the best season for STR's right now in the Denver Metro.

I'd find a seasoned agent and lender who can assist you through this.

Like you, these owners are no longer players in the real estate game, as they would be foolish to trade and double their borrowing costs.  

This is often referred to as a HUD partial claim.There may be differences here and there with respect to the MI issue but a junior lien is a junior lien and it gets extinguished in a foreclosure regardless of the players involved.

Can you post a link to current Bill (or the name of the Bill) in current legislative season?

"To everything there is a season..."

Is there a seasoning period?