I am not suggesting this does not completely exist, although the circumstances that push a HMLs to take a loss on their NPL loans rather than taking the property back in a FC action (especially in TX where FCs is a breeze in most cases), is far and few between.

And even with a good crew it seems there are always delays and unforeseen (but hopefully not unplanned for) expenses.

Then you are also at the mercy of their front desk sometimes for guest reception which could be great, or horrible, depending on the resort.Anyway, I would just love to be able to narrow down my search (as we try and get closer to our first property) and get rid of some of my nagging doubts or confusion about which direction would be best to go.I would greatly appreciate any feedback and first hand experiences that anyone has with these types of circumstances!

That isn't the case except in one very specific circumstance which is where I think you're coming from.

I do believe that there are exceptions for real life circumstances, but in my unqualified opinion, being honest and proactive is the best course of action.

Most often tenant-occupied properties are sold because the landlord is tired of the circumstances and wants to cut their losses. 

No matter what age, ethnicity, handicap, or circumstance we find ourselves in, REI is so versatile and able to provide freedom at any level for anybody. 

What I've gathered is that it all State specific and based on facts and circumstances. 

I would love to hear if someone has had a similar set of circumstances or opinions on a best method to grow and scale with this set up.

A little proactive education can easily prevent injuries and damage in some circumstances, but you should generally cue off of innocuous questions or comments, rather than making assumptions, unless a caseworker has suggested they would be unfamiliar.