Once that time passes, contact a lawyer and start the eviction process.

She is currently in the process of a cash-out refinance on her condo (investment property) with her lender.

@Zach Ranney your overall thought process is exactly what I would recommend.

Why do I see some independent mortgage loan officers submit borrower's application directly to lender without going thru their employer/broker's loan processing?

My fear is that, as lenders, we could end up owning what would amount to condemned buildings on soon to be vacant lots when our borrowers either walked or went bankrupt after the “Big One” hit.While I also wonder about the solvency of the CEA, we’re in the process of re-evaluating our personal and business insurance and this thread motivates me to dig a bit deeper into it.

Is there another tool or process you recommend for finding unrestricted land? 

You could also hire a professional cohost for a reasonable fee who can walk you through the process 

Here is a link to a data site that shows a 5% population growth in 2021. https://datausa.io/profile/geo/lake-county-flI am a big fan of Polk County, FL, between Tampa and Orlando. 

A downfall of this process is the lack of tenant screening (background, credit, eviction checks) as far as I'm aware of.

Mariya, I am in the process of investing in the Sacramento area.