One more question I have for you: What could be other possible reasons for delay with the assumption that Original Owner of the foreclosed property or the Bank who took it to auction gives their consent on the assignment contract between me and the Seller to proceed with the motion filing afterwards?

See B2-2-01, General Borrower Eligibility Requirements for additional details.)If the property was owned prior to closing by an inter vivos revocable trust, the time held by the trust may be counted towards meeting the borrower’s six-month ownership requirement if the borrower is the primary beneficiary of the trust.The above ownership policy applies in addition to the requirement that an existing first mortgage being paid off through the refinance is at least 12 months old.

Every investor should have a Revocable Living Trust.

.—(1) No person who is in possession of any personal property under and by virtue of any contract or conditional sale or otherwise where the title to said personal property does not vest in the possessor, shall sell, conceal or dispose of such personal property without first having the written consent of the person then having or retaining the bona fide title to such personal property so to sell, dispose of, or conceal the same.(2) Any person who shall violate the provisions of this section shall be deemed guilty of a misdemeanor of the second degree, punishable as provided in s. 775.082 or s. 775.083.History.

. --- Take 2: If you did meet the 2nd roommate at some point, then obviously the 2nd roommate is 'real' or consenting but are they really?

Must have the applicant's consent.

You have to ensure your seller is fully informed and has signed informed consent documents. 

The first property I bought, I bought it titled to my Revocable Trust. 

Unfortunately, there is no additional step-up to FMV in 2015.I am making several assumptions here, including that the trust was "revocable" during your father's lifetime but became "irrevocable" at his death, and that after he died, the property was “includable in his gross estate”. 

Since I am a plumber, I can handle all of the plumbing work myself, which will cut down revocation cost and increase my profitability.