However, all lenders are moving at a snails pace these days. 90 days is not unusual.

Can be used to acquire property, but unusual in residential, more common in land/new construction/commercial deals.For either, must be diligent about accounting.

No offense my friend, but your model ain't unusual.

In my area, it would be unusual for a Buyer to buy a lot and house from the same entity and not have just 1 agreement.   

And lastly, $1,800 for insurance on a $80k house is ridiculous unless there's something unusual going on or you're in a flood zone or something. 

It takes an unusual woman to throw off all that baggage and decide to rent the centerpiece of the middle-class dream away, the home she owns with her name on the title, and live somewhere else as a way to make money.And of course, she has to have a lot of trust in you.

This is very unusual, in most areas property tax Increases correspond to property appreciation.San Diego RE profit = Value Add + long term appreciation (both property and rent)Good luck and stay healthy

Things are just very uncertain and unusual during these time's. 

@Connor O'Brien The scenario you described is quite unusual for a 203k loan.

I am happy to read about your creative, humane, and realistic approach this to this unusual problem.