That is when my former husband stopped paying mortgage and HOA, however he didn't pay child support either claiming his mortgage and HOA payments were too expensive.Our marital settlement states that I will not be held liable for any liens or issues pertaining to the real property incurred either during the marriage and until the children and I vacated the home in April 2012. 

Conservative thinking or being negative about every real estate lead we worked was a positive thing for our family investing program - that and making low-ball offers (if they don't cry - the offer is too high) helped us maintain our current cash flow and avoid financial failure.In tough times - it is always wise to look at all those things that may go wrong with the deal - don't use conventional financing - always seller financing or option or Hybrid offers or long or extended closing time - called delayed settlement with a few contingencies.This is a great business if you understand and use as many creative formula as possible.If the deal is not good for me now - it won't get better in the future.Charles  

.$1235 Lender's title insurance$550 Settlement or closing fee$421 Title endorsement$50 Tax certificateThat totals to $2256 in title costsWhich of these fees could/should I reduce or eliminate through negotiating or shopping around?

By July 1,  the investor did not close but shortly later did get the seller to sign an addendum that changed the settlement date to Oct. 31, 2016. 

When I do any transactions with private loans involved, the settlement attorney draws up the loan docs. 

You do have a lot of settlement going on here. 

O/O housing loans are subject to Federal Fair Housing, Settlement Procedures Act, Dodd Frank Act, the Consumer Financial Protection Agency, and that's just on the Federal level.  

I bought a foreclosed SFR over a month ago and still need to wait a few weeks for settlement yet until the title comes back. 

I also like life settlements (not related to any financial markets or economic conditions).

If you transferred your home (or share of a jointly owned home) to a spouse or ex-spouse as part of a divorce settlement, you are considered to have no gain or loss.