The talking heads in stock investing were doom/gloom (regardless of who would win 2016), claiming it might be time to take ones earnings and winnings off the table. 

If it is determined that the property contains an accessory unit that does not comply with zoning, the property is eligible under the following additional conditions: The lender confirms that the existence will not jeopardize any future property insurance claim that might need to be filed for the property.

Is this the stakeholder that claims the grade so a combination of objective and subjective reasons? 

We plan on replacing the roof and I carry a $5000 deductible so I wouldn't be making a roof claim anyway but thats what he said.

They probably won't agree to it and you can take them to small claims court if you want.

In addition, she signed  quit claim deed, which was filed with the clerk, which also says that the home belongs to me.So with this in mind, does the home belong to me?  

I just found out about SLREIA through this topic, but after looking at their website I'm a bit confused about exactly what the group really is.They claim to be a non-profit group, but charge $99/year for membership.

Quit claim?

Second, how is the $86k totally tax free as claimed? 

Quote from @Anna Lee: I would sue them in Small Claims where it's much cheaper.