It can be very time consuming up front and once loaded and collections started then is very hands off.

Consume all the content you can peter networking with people is so important.

More practically, I suggest burnishing your credit until it sparkles, paying off high-interest consumer debt(if you have any,) reading and listening to podcasts(and definitely avoiding the high-priced 'guru' classes,) and saving up for a downpayment.

Your entire life will be consumed with this from jump street.

So what I do first is go to my area's largest chain supermarket, Giant Eagle, and buy a gift card for Giant Eagle Supermarkets.I pay for the Giant Eagle gift card with the Barclays Mastercard, accruing their travel miles in their frequent flyer program (American offers the most flights out of Pittsburgh).I also link the purchase to my Giant Eagle rewards account, which offers me cheaper prices on gasoline at the many GetGo gas stations Giant Eagle runs all over my area.The next step is to use the Giant Eagle gift card to buy a Home Depot gift card at another or the same Giant Eagle, which means that the same purchase eventually gives me double fuel rewards (you cannot use a Giant Eagle gift card to buy another Giant Eagle gift card or of course that's what I'd be doing, again and again, until they'd be paying me to pump gas at their stations).Finally, I use the Home Depot gift card at Home Depot to buy the stuff I need.Understand, you need iron financial discipline with credit cards to run these kinds of travel and rewards hacking schemes, or sooner or later, you're going to be spending with no sure way of paying them back ON TIME EVERY TIME.

Are you saying pay off your consumer debt with the 25K or pay off the mortgage? 

We buy a lot at the sheriffs sale and it can be super risky and time consuming if you dont know what you are doing.

There may be loan options, but I encourage her to buckle down and pay off organically.I got out of consumer debt using Dave Ramsey's FPUmans free podcast.

Yes, those Owner Occupied Loans have a lot of restrictions because it's not made with the intention of letting consumers profit. 

Others want to e-file their own lawsuits, without time consuming trips to the courthouse.