So now we can breathe a sigh of relief that we got out first "NO" out of the way and this will bring us that much closer to getting a yes. 

But, another issue is the tenant, if the community has a no rental policy this could be a major issue, because  they now have just cause to seek relief through the court

The biggest stress relief has been having a property manager who knows what they are doing.

It was with a sigh of relief that I granted the request of the tenants to be released from their lease when their jobs transferred to the far side of the metro area.Two important lessons we gleaned from this mini-debacle are 1) nothing is more important than leasing to good quality tenants, and 2) having a property that shows well and is in a fact an up-to-date place that’s nice to rent is critical to attracting and retaining good tenants.As this was happening we were also learning the ins and outs of the local eviction process as we evicted tenants from two units who were non-payers.

While I believe aid and relief to the needy is necessary, our government always brings a rocket launcher to a knife fight.Let's use me as an example.

No loose wires, uncovered boxes, loose light fixtures, cracked plates.Water heater, pressure relief valve with tube, 6" off floor.No plumbing leaks, even a drip..

The only way to succeed is to market to people who have either had their BK case dismissed by the court (usually for failure to file documents timely) or if a lender files a Motion For Relief From Stay (because plan payments are not being made) AND the court grants that motion. 

And then what happens when your trustor BK's now you have to pay an attorney for relief of stay  ( very common on the west coast)..

Further, in all probability the plaintiffs will be able to argue successfully against granting you bankruptcy relief under the provision that liens resulting from fraud are not dischargable in bankruptcy.  

Another issue, since it sounds like you're working with her, is the Mortgage Relief Act is expiring and in 30+ days she can get tagged for the forgiveness of debt from the SS.