The issue you will run into is that a tax return takes the same amount of time to file whether you have just expenses,  or if you have income and expenses. 

Owner filed chapter 13.

He then ended his email by saying they did not want to move forward with the apartment and they felt discriminated against and were thinking of filing an HUD complaint.

please advise.NOW, here's the rub...the seller filed chapter 13 early in 2017 to save the house. in February of this year it was dismissed.

I don't want to go through the hassle of foreclosing and I'd rather give the $218. filing fee to the owner if they will quit claim. 

I will look it up to confirm.As for the gift letter, they are required, but that does not mean they aren't sometimes overlooked by inexperienced/unfamiliar loan brokers until the file has reached underwriting.

Once I filed for an unlawful detainer, it's never held up in court.  

There should be an origination or credit portion of the file which was used to give and make the loan.  

In Florida the bidding starts at 18%After two years if the taxes are not paid the lien holder can file for foreclosure on the property.At the auction the starting bid is for the taxes owed on the property.Of course there is a lot of research in dealing with these types of auctions. 

We are just refinancing a loan.Here’s how it works:You create an LLCYou buy a homeYour LLC gives you a loan for the homeYou file the deed for that loan at the county courthouseYou use the money from the LLC to buy and fix up the propertyOnce the property is completed, your conventional lender comes to refinance the loan Your conventional lender runs title and sees there is a loan.Your conventional lender refinances you into a new loan, and cuts a check to your LLC in the amount of 75% of the value.Please don't confuse this 75% with a "cash out" amount.