These individuals have reason to try to sell you services as opposed to actually telling you about the condition of your existing septic.

Additionally, they may only permit you to borrow up to 75% LTV (considering your existing note).

I had a few moments after my bizz day .. so I searched for the title company in the settlement statement and they do not exist on line.. 

No other industry in existence in U.S. operates with such a tiny margin that isn't gargantuan in it's corporate size and volume.

If it's a vinyl window, or if you could swap out the existing window for a vinyl window without much hassle (e.g. if it's on the first floor and you have easy access to the exterior), then waterproofing the inside shower area around the window would be much easier.  

Should it be the same as if the mortgage still existed?

The exist strategy is to sell

You could refi the existing property as a DSCR purchase.

Not defending just saying this is not that uncommon.. although these are his core business so you would think they would get more attention.The period in question was likely around 1 year, and is uncommon to continue to collect investor funds in an entity that doesn't/didn't exist at that moment.

If a seller has a VA loan and you strike a subject-to deal with them, but the seller is looking to buy a new home using a VA loan would this situation pose an issue to the seller already having an existing VA loan?