LOL, I'm just trying to help reduce your stress level.

Check to see if it transfers to you (I doubt it) but you may be able to get a reduced reinsurance rate from the original title company. 

the mortgage rules change all the time and they don't advertise these changes to the public.  

Sure it's great to have access to the MLS and reduce your purchase by 3% (or whatever).

If someone wants to share their opinions on ways to narrow down / categorize / filter the parcel list using public data sources, I'd be happy to share my thoughts on the technical feasibility.

An appraiser could probably provide better context on professional standards in this area, but I think 90 days is a nice to have not must have.Are you using realcomp MLS data or public sources?

Another is when it was a MERS "assignment" that is now being recorded in public so that the actual holder of the mortgage and note gets to recover the collateral or proceeds.

There is also some room for upside on the $900 unit as the current property manager currently lives there getting reduced rents, but I don't want to get too fluffy with my assumptions.Owner: older lady who has owned the property for 20+ years and wants to retire/cash out.Tenants: all (except the property manager) occupied by long-term, older tenants.  

If I can find a lender that will provide 80% LTV and I have greater than 80% equity, I'd like to roll the closing costs into the loan to reduce and/or eliminate my out of pocket costs.2.

Just a matter of which state and if that state's banking division feels like dragnetting public records for lenders.