If winds are 100 mph then you lose air support while embers gain massive trajectory.

The program stipulates that you MUST stay in the home 5 years or you lose a pro rated portion of that 8k.

Its when all of the work is performed and you are literally prone to lose everything. 

Housing isn’t just another commodity; it’s a basic need, and it’s disturbing to think of families losing homes while corporations chase higher margins.For now, I’m left wondering what this case will reveal as it moves forward.

If they suspend/lose their license, they're dead in the water.

Even if they have plenty of money saved, sometimes the fear of losing the money in an investment is too great.

Convince yourself that there's a better than average chance that you will lose, and if you can live with the time, energy and money spent if you do. 

If there's any equity there and they can't pay the mortgage they are going to eventually lose the house anyway. 

You don't want to lose your rate on the house you are living in now unless you want to sell it so since that is an owner-occupied, you need to stay there and save up the 20 percent for the second property based on what you said.

I've been in your situation and nothing can prepare you for losing a parent.