I like to think it shouldn't be an issue for you especially once you have held it and can show stable performance for a few years. 

I'm a brand new investor.

I am a high school student interested in investing and real estate. Anything I can do at my age to get started?

Originally I was going to flip it, but decided to keep it and it has performed for me well.

I am newer to Bigger Pockets and brand new to investing. 

Based on promises of future action and performance, less than 5% of newbies ever follow through. 

This means:Even though the tax card states that Bank of America is the lien holder, there's a possibility they've disposed of it (selling their non-performing note) prior to initiating or during the foreclosure process. 

I'm not sure what their split is.Starting out you'll have to be extra cautious since you may not know how this contractor performs.

If the borrower performs, we will negotiate a modification.  

I performed an electronic leak search and found the air handler evaporator coil leaking.