How often is that granted and how many days before the redemption runs out do you need to go to the judge to apply?

I will disagree that "licensing is easy to get," as the NMLS test is hard to pass AND even if you do, your entity must now begin quarterly and annual reporting to the NMLS System.Also, under Dodd Frank, if the above apply, you are probably required to document the borrower's ability to repay, and service the credit agreements/loans under the strict Dodd Frank loan servicing rules. 

I applied to borrow 230k Equity loan from a credit union, but they want a statement explaining what the money is for -other than paying back the debt.

The 80/20 rule applies.

Is it silly to apply it to this scenario? 

They have great pre-approval here in MA but keep getting tripped up when applying out of state since they are not planning on moving there. 

You can look it up on youtube there are several video's showing how to mix and apply it.

Do I need to apply for a CCO?

I’m going to evict her for personal occupancy and let’s see what happens since in NYC, this applies primarily to rent controlled or rent stabilized apartments. 

I've done the negative cash flow before and it's a huge take out of your expenses every month.Forgive my ignorance but how does a 1031 apply when selling a property at a loss?