While researching the court documents and title/deed history, I discovered that both the HOA and the lender separately foreclosed on the original owner and EACH were issued Certificates of Title after adjudication and public auction were done.It appears the HOA and lender fought back and forth for a while but then signed an agreement whereby the lender would pay the HOA a designated amount for past-due assessments and in turn the HOA would release its title claim via quitclaim deed or whatever instrument the lender wanted. 

I'd make sure permitted by "everybody", bank and local law unless we can find a definition elsewhere in the law/reg that narrows the meaning of that word), then you are probably safe from DoS issues with Fannie Mae/Freddie Mac.Here's the relevant language from Jayson's link:"a limited liability company (LLC), provided thatthe 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 "if" is important, as is the answer to the question "what is a permitted change"?

Consequently, the sole purpose of my desktop app would be to automate this process for you.All you'll have to do is simply fill out an Excel file with said info (just once), select pictures that showcase the property (just once again), and then click go as you watch the app traverse housing portals (i.e.

However, I want to automate more of the process through a VA and take myself out of the process.

If you need to automate certain tasks or routines related to lead generation, follow-up or customer service, using a VA can prove to be highly useful, and a big time-saver for investors. 

Every code change is backed with automated tests and reviewed by at least two engineers.

Wheatie---If you look at a standard Deed of Trust on a normal FNMA security instrument, it calls for trustees fees in the amount of 5% of the loan amount should a foreclosure be required.

This can be automated. - This not only helps you with your bookkeeping, but your CPA is going to charge you less during tax time- And, you don't have to pay the insane amounts when you need to recreate the financials. 

The credit score alone won't disqualify you from qualifying with your scenario, as the lender will run it through their automated underwriting, which will consider all factors: property type, occupancy, number of units, etc. 

He'll get his $6K after he's moved out without damaging or removing anything, I get all keys and remotes (garage, sound system, automated blinds, etc.).