Hey @Wei Jie Yang - you should start by reaching out to the lender that currently holds your mortgage and work your way from there. 

I entered "1" for the mortgage on the property that is paid off and I  entered "1" at year 19  for the property with 18 years because it did not calculate it even though I entered 18 in the Financing Assumptions box.

The mortgaged unit gets the full $25k and is 2 years from paid off. 

My dilemma is this: I would ideally like to wait until I have emergency cash reserves to cover 6 months of mortgage payments for all 3 properties.

You should be very careful using contracts obtained from strangers online.

Is the number under the "Mortgage amount" the remaining balance?

I don't recommend lying to get a mortgage.

Read through the court documents online and it doesn't appear that the owner on title attended any hearings or tried to stop the foreclosure. 

I’ve seen some stuff online that suggests I might assume the previous owners depreciation schedule (which would be bad because they’ve owned it a long time).

I have gone through ALDOR to purchase and I’ve also purchased through a broker, but I was looking to see if there were websites that also listed them that I could take a look at? Thanks