If she had passed this year you would have to distribute the entire IRA within 10 years.Sorry for your loss. 

@Rick StantonPer a lawyer I spoke with, all contracts are subject to interpretation, and can be broken.The insurance company has the goal of least out of pocket. 

This isn't a court case yet, and if you choose the court route, you're subject to a judicial foreclosure, which has its own set of nightmares and redemption periods (even in California).

I have been getting real conflicting information every time I bring this subject up so figured I would throw it up to the group for any insights on it.My question is, what action makes a property management company an actual property management company? 

Equity % will be important but since that mortgage remains in 1st position this should be possible to do...as long as the "subject to" deal was structured properly sort of thing. 

Do you have other assets subject to similar risk types? 

Have you investigated taking the property subject to?

One adjustment will be unevenly distributed income.

State capitals, major universities, major health care complexes, logistical hubs like inland ports (though these are subject to economic ups and downs, they are so expensive and time-consuming to build that they are not abandoned and they are hard to compete with in the short-term.)Hope this helps.

My husband and I went out for a walk in our neighborhood this weekend (weather was nice) and we came across a home that would make an awesome Subject to.