This is a 100% automatic disqualification in my book (no ifs, and or buts).If it is not registered.

If it says no data, tm hen they never submitted and that is a 100% automatic (no ifs, and or buts) disqualification from even talking to the sponsor until that is done.

If all people needed was data to take actions, car dealerships would have nothing but pamphlets and kiosks of info for sales.

The issue is, based on her credit report and other known info, I added all the expenses: (car payment $722, debt obligation/month $1900, rent, renters insurance, utilities, estimated grocery, living necessities, her total **essential** expenses would be at least $800 greater than her net income. 

I can listen to books and educate myself on whatever I want while at the gym, in the car, etc.I currently have 200+ books in my library and if you'd like any recommendations on a particular area of study, send me a message and I'd be happy to provide you with some.A couple I'd recommend that will give you a "crash course" are..Buy, Rehab, Rent, Refinance, Repeat - The BRRRR Rental Property Investment Strategy Made SimpleFLIP - How to Find, Fix, and Sell Houses for ProfitThe Book on Flipping Houses How to Buy, Rehab, and Resell Residential PropertiesThis book is not currently available on Audible but a must readThe Book on Estimating Rehab Costs - J ScottBigger Pockets has become one of my best resources.

You have 3 people and 3 cars, then you get a GFs or BFs so I have a car limit for the property to insure that you don't get some guy with 2 or 3 cars plus a couple significant others and you have a parking lot.

Unclear if the lien has expired, and if surplus funds would go to the COA According to the COA State laws i found this:Thelien is not effective 1 year after the claim of lien was recordedunless, within that time, an action to enforce the lien is commenced.The 1-year period is automatically extended for any length of timeduring which the association is prevented from filing a foreclosureaction by an automatic stay resulting from a bankruptcy petitionfiled by the parcel owner or anyother person claiming an interest in the parcel.

When you take a home at auction you do not automatically get their "stuff" too.

True with every profession, from car mechanics to surgent.

Yes but, It's not like the foreclosure happens, senior lien holder gets paid off, and excess funds automatically go to HOA or whoever else.