Especially someone from my neck of the woods in the Panhandle. 

When the balance is large enough to pay for replacement cost of that home, then discontinue the insurance.I do a similar thing with appliances and have always found enough in my account to purchase a new one when the time came to place a claim.The insurance that I can not yet say this for is the injury protection against claims for personal injury that happens on your property.

Do you think they will approve a technique you are trying with no money down with regulators breathing down their necks or do you think they will wait and do a deal with an investor who is solid and has plenty of skin in the game??

A short list:Liability- Bodily injury and property damage, medical paymentsProperty- the dwelling, optional contents coverage (un fixed appliances), loss of rents.Insurance policies are considered contacts of adhesion..

I am now on disability for a back injury (Ruptured and herniated discs).

Sorry @Jay Wright no experience in your neck of the woods.

Lots of the housing stock in my neck of the woods is very old. 70+ years.Lots of things are different.Cast Iron pipes.Knob & Tube wires.Plaster walls.Biggest problem we see is when the cast iron pipes start to rot out.

The two things I need to accompihs that is loan satisfied and the deed.Getting the deed now seems unlikely as the property owner/deed-holder's legal counsel tells her:  "Do Not get involved - you could muddy the results of your successful bankrupcy and anyway;  why stick your neck out."

Un-remarried surviving spouses of an eligible service member who died as a result of service or service-related injuries may also be eligible.ELIGIBLE PROPERTY TYPES1 – 4-unit single family detached homes PUDsTownhousesCondominiums—per VA guidelinesINCOMEIn order to be considered for approval of a VA home loan, income stability is a mandatory requirementVeterans recently separated from the service must have a minimum 2 year work history in the same line of work that he/she did in the service.

Not everyone will stick their neck out, I do, at the drop of a hat.