The year before informing me of this divorce he had begun to secretly take out several loans on our joint banking accounts and against 2 of the 3 paid off vehicles then didnt pay them.

Not just a lender who can put together a loan document (they all can do that), but someone who is interested in your goals and can advise you in different strategies, downpayment assistance programs, etc that can get you going.From there your financial strategy and the local market will begin to steer you in a direction of homes available and that fit your finances.

They should be able to refer you a lender that can walk you through ways to limit your cash to close.For your specific questions, an FHA loan is probably going to be your best bet.

That is an Investment Rental Portfolio loan.

Commercial loans are larger sales prices.

However, if there is a dwelling on the property there is 1 year from the auction date to cure the loan. 

Will they allow a loan assumption as the new deed owner?

How loan officiers can pay Referral Fee to realtors in a legal way, and NOT as kick back?

Personal loan

As responsible Real Estate Investors,  we want to educate them on their options:  Mortgage relief programs, loan modifications, forbearance, short sale, etc.