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On large liens, ($15k +) where there is a risk of tying up money and budget for a long time is a risk, we usually do a quick bankruptcy search.

Having a hard time finding a lender who lends on 75% of the ARV.

I just simply will not work with a lender that will solicit my client, have no punitive language in regard to if they circumvent our firm or solicit them, and I want nothing to do with the lenders that want to directly face our client throughout the process.

If you were already considering going long term, I would treat this process the same for the basics.

Talk to the auction house and find out what they suggest as they will have had other buyers go through the same process and can recommend someone.

Only time you can increase the rent more than that is normally during a turnover. 

Hoping someone here has actually gone through such experience (had actual storm damage before closing) and how they navigated the process. 

Work with a knowledgeable agent to identify suitable properties and navigate the buying process.

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.