As you stated you never claimed Homestead Exemption on the property, the mistake in on the Appraisal District / Tax Agencies to eat crow. 

The question is does congress need to authorize this or will the agencies just push the policy under their own authority?

They never sent any statement of balance to me either after that, even though they updated my address.Now the fine, sent to a company called HOA Lawyer Group (HOALG), which is essentially a collection agency, ballooned to $6900 without my knowledge.

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I've always been quite happy with Fairmount Title Agency.

Only suckers overpay.I personally feel that dual agency should have been banned a long time ago. 

Someone suggested a temp agency which I didn't even think about and will pursue now.

If this is a value add then, depending on your purchase price and renovation costs, it shouldn't be too tough to refi out of that leverage point if you can significantly increase the value.If you are buying at market now, and then just holding it to cash flow without repositioning or adding any value, then refinancing out of the seller financing with permanent debt through a bank or the agencies is going to be tough with your 85% leverage.

However, "suggestions or assumptions" do me no good whether they come from a title agency or a bank etc.

I'd be curious how it's being reported to credit agencies, that data is sold so that could be how the list is obtained.