Quote from @Karolina Powell: The one with the repair problem and the reserves problem is a DSCR loanThe problem with the DSCR loans is usually there are very few set guidelines in each bank so their underwriters often add requirements at the behest of their investors.

Just echoing others here to encourage you to seek legal consultation.

You're telling me they could bill me 1000 hours to change 1 light bulb and I have ZERO legal recourse?

Legal trouble?

Then they put some young guy up front for an intro cracking corny jokes and telling us he now makes so much money he legally can't tell us what he makes! 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

As I feel they had some legal obligation not to sell the property or remove the forged satifaction since the notary did tell them it was fraud prior to sale.

What is the fastes legal action to take in NJ to get access to the rental house? 

In my state you have to be 19+ years of age or older to enter into a legally binding contract.

If you need to be on the loan as well & you plan on keeping your current home, you run into the FHA guidelines regarding having more than one FHA -insured mortgage at a time.