Text messages, while perhaps not legally binding, may indicate intent and agreement if it gets to court.

And if your policies don't specify arbitration before legal action then they should. 

@John Underwood  @Amit Ronghe  Exactly it maybe legal in the state but the tax collectors in the counties hate it.. and will do everything they can to protect the monies due to the landowner who lost the property.. 

During a slip and fall incident if a renter sues me, as soon as I get the legal notice can I move my property to LLC or is it too late even then?

I'm in need of legal assistance.

I'll be reaching out for legal help on this, to see what my options are.

If we buy a 120k home, I calculated that our monthly mortgage will  be about $870, assuming a 4.605% interest rate.The only problem will be getting approved for the loan since we are both unemployed without a steady source of income.

I certainly approve of your "feel comfortable" goal, and as you keep learning, maybe the definition of what will make you comfortable will change. 

Do not rely on it for legal advice.

(2) Is it legal for me to knock on someones door and offer a solution to them instead of having there house go in to foreclosure or auction?