Heck, in most jurisdictions you need a license to cut hair when you start offering services to the public.The fact is, generally, within any specific RE office, Sales or PM, only the licensees can perform those RE activities.

@Jeff KobernusThat sounds a hair high for a short term policy but it’s not cheap, statistically vacant homes under renovation have way more claims than a standard home owners or landlord policy.

I had my hair fell of beause of the stress this work gave me.

I don't know any of the 'other' numbers so I can't speak about numbers but if you can answer those questions affirmatively then u may have a slight chance at a refi.

Thanks Ali Boone for your welcoming me and for the affirmation.

In total, we spent less than $5,000 on the rehab which is probably why our CPA regards expensing vs. capitalization as splitting hairs.

Hair was blowing everywhere.

It is very unlikely you will be able to do it.The title company will probably not give a commitment not because of the time period but because it will take an affirmative action of the mortgage company to stop the auction.If I wanted to do it I would do the following....1)  Have the owner find out how much it would take to get the loan reinstated from their mortgage company. 

I'm here to learn and network and after listening to the last BP podcast of 2015 yesterday, #155 I believe, I have re-affirmed to myself that my goal is realistic, I have the mental capacity and mindset to do it and I am READY TO START!

The have zero baring on the matter of default and I can only guess, as I am not even sure what they mean, neither concept or practice offers an affirmative defense for the borrower in a foreclosure action.