You could leave sooner under extenuating circumstances.Here is an excerpt from HUD regarding income requirements:"When either or both of the permissible ratios of 31%/43% is/are exceeded, the lender is required to provide justification, in the "Remarks" section of the Loan Transmittal (HUD 92900.LT), as to why they believe the mortgage presents an acceptable risk."

They even have an agreement drafted for the homeowner to sign stating the "buyer" or should I say fraud giving them permission to advertise and show the house.

If you didn't get permission to do that you could have a violation of your senior mortgage and they could invoke the due on sale clause.The DIL might be the easiest way to get the property back.This person could still file a chapter 7 delaying again.No legal advice given.  

However, you must have written permission from the HUD trustee (not the realtor listing the property) to assign the contract.

My question is can I list the property with a realtor considering I have equitable interest in the property and the owners permission?

An agreement to show is generally for an agent to represent a buyer when a property is not listed, such as a FSBO and the property owner must give permission for an agent to bring others on the property.

Also I noticed that Hillsborough County states you have to be within certain zoning districts in order to rent your Short-Term Rental unit for durations less than 7 days, I wanted to know if anybody is aware of the exact zones this would be permissible or where I could find this information as I haven't had the best luck locating it?

there's a big debate about that. half the people here tell you to discretely lie about it until you are ready to go for the kill strike, others say to be totally up front.i have no experience but i seriously doubt most agents will want anything to do with you if you are totally up front about this and especially when they ask you how many transactions you have closed previously and you say zero, don't be surprised if you suddenly hear a dialtone.they say it's easier to ask forgiveness than permission; if you play it right and close the deal, you might be able to come across as never having intended to deceive the agent about your intentions and get them to work with you again (the bottom line is you closed and got them money)

He gave permission to search his pad, but forgot to remove everything when he left, so we found a necklace.

We have found in renting that some tenants could care less if you are on the property, and some--like your problem and ours----view the house as their property and do not want anyone there without permission.