Depending on the individual's circumstances, information verifying that the person meets the Act's definition of disability can usually be provided by the individual himself or herself (e.g., proof that an individual under 65 years of age receives Supplemental Security Income or Social Security Disability Insurance benefits (10)or a credible statement by the individual).

This means they may lower their max LTV to account for the circumstances. 

Point being that under unusual circumstances you can readily avoid losing the property.

I am informed that NACHA has confirmed that R10 is the appropriate reason code in such circumstances and that the ODFI has agreed to accept the R10s for the dispute in question.

What type of attorney specializes in this type of circumstance?

Although, definitely do your homework and do not pay a lender an application fee without first establishing 1) that they are legitimate and 2) in what circumstances that application fee is refundable. 

Lots of unforeseen expenses in a full gut rehab.

The homes could have just been refilled due to circumstances with the old tenants (i.e. financial hardship, divorce, medical issues, etc).

Any unforeseen obstacles?

I am going to have to do some research on what is required up here in Canada for the landlord in circumstances like that.