But I didn’t need to worry–they had a lot of money!

-The other heirs didn't sign any documents to sale the property or received any money.- The property is now worth over a million dollars now. 

Buy the house and loan her the money. 

I was thinking - go ahead and sue, when discovery comes into play and they have to testify under oath (for example were they raising money properly and how were they managing money) - many will not want to answer that question while on the stand. 

Insurance Proceeds and Taxability: The insurance payout you receive is not "free money."

People always think they will save money by managing themselves, but that is obviously not the case.Best of luck!

Find a house that comes up on the wholesale list that has a lot of bedrooms and buy it as an investment property with a hard money loan.

I am saying they can be beneficial at times (probably not at the current rates - there may be cheaper money available). 

You say "no money down" for SubTo.

I would focus more on where the day to day dollar comes in rather than the money from the property.