I agree with @Lynnette E. .

That would leave the existing mortgage in place and transfer Title so the UST would be your problem.

In the past couple years during their divorce she had been transferring the mortgage payment to the ex-husband to make the payments...you can see where I’m goi with this...he has recently stopped making the payments and now they’ve defaulted on the mortgage.

If you keep buying properties in your personal name, getting a mortgage, then transferring Title, its starts looking like an alter-ego in my layman's opinion. 

Have you looked at setting up a trust and transferring it to the trust?

The deposit is ALWAYS property of the tenant and ALWAYS transfers from the Seller to the Buyer.

e. vacant land, other than farm land, owned by or rented to an “Insured”Talk to your agent and find out if you policy applies to vacant land and if there are any conditions (.ie no development, no roads, no utilities, not cleared, etc.) that may apply.If the land is covered, you may want to add an umbrella to get some additional coverage.

I got an e-mail from Honeybaked Ham today that they are already hiring for seasonal help.You all oversee a whole lot more tenants than I do! 

I think for a manager that keeps it simple and less time 'looking up' information when tenants call or e-mail.

They basically hold the building liable rather than the owner and that liability transfers from owner to owner until someone deleads it and breaks the chain.