You should make it clear, by a written response, that at renewal, if Mom is still there, she will need to be formally added to the Agreement.

The lease, as you know, is a contract intended to formalize your relationship and take emotion out of future interactions like this.  

A formal partnership agreement should be created, in writing (prior to and separate from the purchase of the property). 

It's a thought worth pondering, in my opinion.Wishing you judicious decision-making!

What matters to me is that they made another landlord go all the way through the formal court eviction process to recover possession of the property.  

Louis, MO (non-judicial state i.e. trust deed state) and am looking for some advice on how to start the process.

Under the UCC, installment sales are terminated upon default and property reverts back to a seller, this angle can then be used to sue for a judicial foreclosure, see your attorney. :) 

I do not get formal inspections done on my purchases.

And it is a non judicial foreclosure state.

If you're not hiding this fact from the lender and the lender simply allows you to continue with payments, whether by formal approval or by simply ignoring that you're now the one making the payments, then it's not fraud on your part, but you do run the risk of the lender calling the loan on you.