I've always gotten a signed "authorization to release loan info" from the owner on record. 

For instance, lenders in SC can offer a downpayment assistance (and a related first responder/veteran loan) program through SC Housing Authority.

Proc. 2004-51, 2004-2 C.B. 294, that fall on or after the date of a federally declared disaster, are postponed by 120 days or to the last day of the general disaster extension period authorized by an IRS News Release or other guidance announcing tax relief for victims of the specific federally declared disaster, whichever is later.

But yes, your retirement benefits may be negatively affected when you play the S-corp game.

The fed's cut will be too late and they will be playing catch up, as defaults and Job Layoffs continue to mount. 

But the cost to play that game is higher than the likes of Eugene or Roseburg or Salem.

Need something to play with, so maybe different market for something new.  

You’ll learn way more hands on than spending money and another 6 months being led on by someone who is playing you.

Generally you go with the strictest ruling.With that said, it becomes a risk play.

Someone must have the authority to sign on behalf of the inherited IRA.