After all, if someone was clinically handicapped and not able to understand and consent to terms of the legal agreement, then the agreement itself could be declared null and void in the court of law. 

And making legal judgments when he clearly has absolutely NO idea of the facts of the case.Even so, he did declare that "this is just business"That is not only ignorant, unethical but simply wrong.

I opted to keep the building as rentals but had already obtained the 4 separate tax ID’s and recorded the HOA declaration.

You can not rely on rental income to help you qualify on a 2nd home transaction, and you can put as little as 10% down on a 2nd home.As for the 2nd part of your question: "Cash offer on distressed home in the Winter, rehab etc" - if you're paying cash, there isn't a loan, so you don't need to declare/specify occupancy when paying cash.

Actually the role of Tax Title Services would be to research the title and declare it issue-free if that is their conclusion. 

Make it market rent and declare it. 

It might also be worth looking into any federal or state disaster relief programs that could provide assistance, especially if the storms have been declared federal disasters.Hang in there, and I hope you find a solution soon!

@Don Konipol, correct me if I'm wrong, but IRA's and 401K money are not 100% protected from, or fully for 1. divorce, 2. individual contributions made directly into the funds (vs. as deducted from your salary during your employment), 3. bankruptcy (like, if you move funds into IRA right before declaring bankruptcy) 4.

If your second home is located in a federally declared disaster area, you may be eligible for temporary mortgage relief options such as:- **Forbearance**: A temporary suspension of mortgage payments for up to 12 months.- **No Late Fees or Penalties**: During the forbearance period, you won't be charged late fees or have delinquencies reported to credit bureaus.- **Repayment Options**: After the forbearance period, you won’t be required to repay all missed payments at once.

If the investor has agreed to put you in first position (lien) on the property, then that should also be visible on the insurance policy declarations page - under "Mortgagee" you should be listed as the 1st Mortgagee.