While Brown thanked the FHA and Department of Housing and Urban Development (HUD) for the premium cut, he suggested one other change to "better achieve FHA's mission" of serving creditworthy families: Eliminate FHA's "life of loan" mortgage insurance requirement, which forces borrowers to maintain mortgage insurance on an FHA-insured property regardless of their equity position.

Taking the easy route is not always the best route.See if your local police department has a community officer.  

And if it is a company then go to the states business name registeration department to get the owners names and addresses.

And while the lien may not need to be eliminated, just the arrears brought current, ownership can't change without triggering the due on sale.Your annulment scenario is the proverbial needle in the haystack and did happen in the past (Albeit infrequently) but I wouldn't count on that in today's world where a bank has the Loss Mitigation department not in communication with the Foreclosure department.

After further speaking to the zoning department I noticed the RMF-6 lot had a duplex and single family property on it then in 2016 the single family home was sold and the  lot was split.

At best they just lack in the "itemized invoice description" department.

If it does not, I would suggest that you contact the City or County planning department and the state agency that issues permits to get it permitted.  

I had given my lender all of the requested information and she had sent it off to her closing department. 

I do not have the regulation handy, but i believe it is a department of consumer protection regulation.

the inspector you would call is from your city inspection / health department.