New builds are fine, but in my opinion you're just buying something with all the priced in factors and it doesn't mean they won't have issues.

I think you would want your family to have access to money as well since there are payments due and a lot of money might be tied up in probate (this could create an issue) - life insurance and/or a shared business account could allow for payments to be made until the regular accounts are easily accessible 

Good luck Only issue is, I'm 18 and renting w my family.

If ever there was cause to come together and fight for better enforcement laws, the issue of squatters is it. 

The amount of time you will waste trying to dance around the issues will be legenday and shall I say, "insisting on being right (or insulted) when you don't know the answer can be costly".I was planning on getting a CPA, but not knowing the right questions to ask of someone who I don't exactly trust yet (as a new customer) isn't the best way to go about things.

We have a lender saying we cant use cash as a down payment for a house, and that we would have to distribute the money to family/friends bank accounts then get them to wire the funds to the the lender.

If so, ask to see the lease agreement because if you happened to purchase the home you're going to acquire that tenant too, which may come with issues.

I believe its the sellers expectations not the amount of money that's the issue.

I definitely do not condone doing work illegally, however as a country we also have a huge housing issue (and skilled labor issue as I am sure you know first hand).

They are weighing the cost of fighting the "quiet title" issue, what they are going to get at auction, the time frame of getting the property to a sale date and the cost of carrying the HOA fees, the property taxes and the homeowners insurance during that time frame.