“Federal judgment”: Judgment rendered in federal court and is in favor of the United States of America or one of its agencies, departments, or instrumentalities.

But they won't sit down with an instrument for a couple hours a day for a decade or two.

Or is this a bookkeeping issue since you want it all automated through your software?

I use a software that is very affordable, and helps me automate all mr messages, my reviews, and schedules my cleaners for me.

I didn't see much detail about how they're automating things, but I'm usually supportive of anything that boosts efficiency while maintaining quality.

That's not obviously something that would work for residential/commercial but for self-storage, seems easier to handle in an automated fashion. 

If he has a security instrument on the property, you can refinance him out once you get tenants in place and the property has rental income.

We plan to introduce software and systems to maximize revenue growth and automate them as much as possible (we're all out of the area).

https://servicing-guide.fannie...This topic contains information on allowable exemptions due to the type of transfer.Unless the previous borrower requests a release of liability, the servicer must process the following exempt transactions without reviewing or approving the terms of the transfer:A transfer of the property (or, if the borrower is an inter vivos revocable trust, a transfer of a beneficial interest in the trust) toNotes: For all such transfers affecting mortgage loans purchased or securitized by Fannie Mae on or after June 1, 2016, the transferee is not required to occupy the property. a limited liability company (LLC), provided that:the mortgage loan was purchased or securitized by Fannie Mae on or after June 1, 2016, andthe LLC is controlled by the original borrower or the original borrower owns a majority interest in the LLC, and if the transfer results in a permitted change of occupancy type to an investment property, such change does not violate the security instrument (for example, the 12 month occupancy requirement for a principal residence).The servicer must notify the borrower that a property transferred to an LLC must be transferred back to a natural person prior to any subsequent refinance application in order to meet Fannie Mae’s Selling Guide underwriting requirements.The way I read it, you can transfer to your LLC. 

Not Zillow, not Redfin...but realtor comps of comparable sales.You have to PROVE the value they came up with during the automated process is not correct.Some you will win, some you won't, but typically doesn't hurt to try.