We figured how much she would net, this was about $20K We offered here $20K net with the right to negotiate with the bank and lien holders.

Once you have the certificate, you can then contact the agent if it looks funny in any way.As a certificate holder, changes to the policy should be sent to you - that would include failure to pay and notice of cancellation.I never accept a certificate handed to me by a contractor, since that can be out of date and does not give me any "rights" since I won't be named specifically on such a certificate.

In the case of the Empire State Building, wouldn't the land holder have hostage-like control after the initial lease period?

As to any other lien holders, any lien I could file after the date of the title transfer of a foreclosed property could be lifted and would not have any effect, but since public notice was not made and I had acted in good faith, I would not be liable for filing a false lien either.State law may not address when a deed must be filed, accept as necessary to provide good title.

Do I need to be personally named as "additional insured," "certificate holder," or something to that effect?

The title company should have recorded the assignment. (1) Your father and uncle still own Property(A).(2) Title company should have recorded the assignment of mortgage and/or probably did record a release for the judgement.(3) Yes he can get paid for the judgement and assign the mortgage and still not satisfy the mortgage.(4) If the mortgage is truly satisfied, the satisfaction of mortgage is issued by the note holder, which as this point is the title company.It sounds like the title company is trying to recover the money they had to payout for missing the judgement by obtaining the mortgage.

A buy and holder like me would be interested in a cash purchase at about $46,471 provided it's in pretty good shape.

@Ray HarrellSorry for late response... my rental is currently rented by a voucher holder, single parent w teenager kid, so far so good, tenant has been late for rent but caught up afterwards.

Property management is when the manager is acting as an agent for the owner, has a fiduciary duty (i.e. has to act in their best interest) to the owner and takes on none (or very little) of the legal liabilities associated with ownership.As a tenant (master lease holder) the property owner is still your landlord  and all that means.Good luck,Oren

(Give it time for your loan to be sold to the final note holder.)