To clarify, the biggest distinction between a second home and a rental is the 10% down?

@Greg H.thanks for the feed back and the distinction between and automatic acceptance and the possibility of an acceptance - that is what I was missing.  

Perhaps the words "retroactive" and "reverse" are too similar for your mind to draw the distinction.

It was a mass hotelization of a place that really had a unique sense of place and not just the city but individual neighborhoods - Treme, Uptown, Garden District, Fauberg Marigny - all very distinct from one another. 

And also you and others identified benefits I am not realized before now.I'd say to first and foremost make that clear distinction that it's NOT an "investment" that it's you, or anyone, starting a Business. 

Quote from the article: "Texas cases don’t necessarily have a good and distinct and succinct definition of ‘squatter,’” said Adams.

That distinction is important for one very important reason, the asset decisions are being made by the owners (or a direct family member) which eliminates a layer of defense for all these decisions.

@Donnie Maguire Just to be clear you have two separate and distinct issues. 1) getting your sister in law off the title (deed) 2) getting your sister in law off the mortgage. 

In Memphis, there were distinct differences depending on the area, and I'm curious to hear your insights on how Nashville compares.

And maybe it's not common/easy for everyone to adroitly make that distinction, and I'm more aware of that now.