Your detailed explanations of the potential options are very helpful - my first time at a bank foreclosure auction and as I am going through the process I try to anticipate what all might be coming my way and prepare as best as I can.

If you have no lates in the last 12 months and re-established credit meaning you have atleast 3 tradelines you have made ontime payments on for the last 12-24 months you may be eligible for VA financing with 580 min or lower scores depending on the scenario.Most of the time these type of files with be a total cluster and require 30-40 conditions ranging from letters of explanation, additional documentation, and or other to close.

Security deposit amountYou can find plenty of examples by searching for "tenant estoppel certificate doc" or exchanging "doc" with "pdf" for more options.Here is an example and explanation: Sample EstoppelSome have a lot of legal jargon but this document does not need to be so detailed.

Regarding the other types of loans, based on your explanation the conventional loan seems to (on average) have a lower down payment but takes into account the normal loan factors whereas the debt service loan doesn't but with a slightly higher down payment, proof of income generation through the property, and never being able to live in it.

I have now received numerous complaints and it is impacting my rating. 

As I stated in the previous posts we will happily provide contact details of numerous clients of ours to any serious investors looking to purchase our turnkey properties and I know our clients will gladly attest to our high section 8 rents as well as our transparency, integrity and overall awesomeness.

I do not make anything for the recommendation (no affiliate link to share) but I have numerous courses and his is the most comprehensive.

Any new loan will most probably condition for an explanation for the inquiry; my guess is this wont go over well with the new lender. 

There are numerous posts about ESA laws but I am unsure as to what is the latest in Palo Alto CA.

So John and numerous others were found jointly and individually liable for a $400 Million + judgement.