And after that our IDA lapsed n we bought new cars (as they were needed anyways).

One nice thing about Texas is that if you are the wining bidder, be it a tax sale, re sale, or stuck off sale, you still have the right to live in or rent out the property even though the redemption period has not lapsed. 

We haven't seen any progress (or packing) and now the 30-day notice has lapsed.

Only flood insurance.Because you have a mortgage and let your insurance lapse, the lender has likely put a "forced place" insurance policy. 

I had memberships with both local REIAs but I let them lapse since I didn't attend meetings regularly.

My advice is just to get your foot in the door, having a lapse in your coverage is going to be the killer for high costing insurance premiums.

On the NPNs that we've bought, some had PMI (Private Mortgage Insurance) at one time but these policies lapsed because the borrowers went delinquent and previous lenders failed to keep paying the premiums.We purchased one recently, however, where the lender was advancing the premiums.

If they ever lapse or cancel their policy, you will be notified.

This was a lapse of time situation and a tenant who decided not to pay.

If your yearly lease lapses without signing a new yearly lease, the lease automatically converts to a month-to-month.