We have payed professionals who can fight to lower your assessed value or we have also had a desktop appraisal done for around $100 then we take that to the assessor's office and give them the info and right there they will tell us what it should be lowered to, and we didint have to pay anyone.

The monthly amounts you're paying in your payments now pay the lump sum required in the future, any lump sum you paid at settlement pays current expenses not future expenses.You can stop fighting them, they may not be able to allow it, what all was said is irrelevant, it's on the HUD and in your security agreement and disclosures.

City issues, even if you check the City for outstanding violations doesn't mean you are free and clear.  

Instead, you can search the New Hampshire Registry of Deeds here: http://www.nhdeeds.com/ to see if there is an outstanding mortgage on the property.  

The girlfriend might fight and want it back but not sure if that evens matters.

I honestly don't know what it was made of but it popped up without much fight like old peel and stick where the adhesive was gone. 

If one of these goes bad it could be deemed as a predatory action, contract or not do you have enough money to fight a jealous prosecution? 

This is because you could sell off the 2 better homes leaving poorer collateral still outstanding at say 75/80% LTV on each, they'd rather see something like 60 or 50% left on those properties.

Does your 9-5 income and current outstanding debt support the debt to income ratio requirements to take on an additional 7+ $200k properties?

In digging a little deeper, I learned that the outstanding mortgage is $140K, and there is a state tax lien of $1280 and a federal tax lien of almost $48K (which is why they haven't budged on price in years I'm sure).