Ignor factors like how long it has been on the market and the asking price. 

Or a lawyer willing to just explain my rights and responsibilities so I do not make a legal mistake out of ignorance for a somewhat reasonable fee? 

They are experts at ignoring huge problems, you will fail at getting them to do anything for you if you pay the arears and stop the foreclosure, and don';t have them move out before closing. 

Innocently (because of ignorance) say the wrong thing to the wrong applicant and you are toast!

“I guess I was just trying to convince myself it wasn’t a scam.”This is pretty much the textbook definition of a Motivated Borrower, @Michael Hopkins.A motivated borrower is when you see all the red flags and other warning signs during the loan process, or any deal for that matter, and choose to ignore them because you really want to move forward, believing there are no alternatives.

If you don't end up making that much needing it, a single member LLC is just ignored by the IRS so no changes at all in your tax filing. 

As of 2019, most banks will allow the use of your 401k to check that box.Here's a checklist from fanniemae.com for some of the other stuff you mention, like FICO scores, ignore the "manual" column and focus on "DU": https://www.fanniemae.com/content/tool/multiple-financed-properties-checklist.pdfPragmatically, the FICO score thing typically isn't a big deal... if you have 6 mortgages that you're paying on time, and don't have a bunch of maxed out credit cards, you will typically automatically have the 720 FICO score.That's all just guideline stuff, so far.

But filing now is your insurance that you get your property back in the most timely manner.In addition to filing, you can give a 24hr notice of inspection so that you can go over there and ensure that your tenant is ok vs just ignoring you.But if she has already given excuses of having bank issues, signs don't look good for her being a responsible adult.

Don't believe the paranoia, don't spread the ignorance.

It seems imprudent to maintain willful ignorance.