Obviously this throws everything off and homeowner was completely unaware of this.From the little I have learned, this seems to happen when homeowner get a modification, Hud comes in pays the back payments and then has a sort of silent 2nd mortgage that needs to be re-payed when ever they sale in future.

Building a strong team around you is vital when first starting out!

I think it's vital to have a good realtor on your side.

@Valeria Vitale Your question is too broad.  

That is going to be vital in any business.

Let me get this straight:1 - She wants you to be an accomplice to an illegal activity (code violations and no permit) 2 - She doesn't think that a lower monthly payment is important to an investor (don't rate shop...go ahead and have a higher monthly payment)3 - She is recommending you go ahead and make modifications to your property without checking to see if it is legal (garage to studio convert)...although based on #1, this shouldn't be surprising.I have a  question of my own,...LOL."

Relapse defaults after loan modifications that kicked the can down the road.

If the buyer obtains any permits, of course the permitting office will inspect and direct needed modifications.

If childless, you would follow the genealogical chart that you'll create up the family tree to their parents (or grandparents) and back down among living relatives.A good place to start is the online social security death index and/or your state's vital records.

(tough to zero in exactly without a little better inputs)  All that makes it look like these folks got a modification and didn't make any payments post modification.