Offer to have your attorney draw up a note and records the loan to protect him.

We have it recorded.

I did not run a background check (credit check, evictions record, criminal records check) before she moved in, and now I am regretting it. 

I’m under contract for a piece of land and I’ve been told the malware attack that hit the City of Durham is stopping records from being accessed prior to 1999.

This is not a dig at them, it's a dig at Dave Ramsey.He's an absolute idiot when it comes to investing whether it be securities or real estate and his track record shows that. 

It is true that you could not evict her right now, but that is not going to last, and if she's a great tenant I highly doubt she wants an eviction on her record. 

Instead of allowing tenant and landlord to work it out before it damages a Tenant’s record i.e. court date is set, tenant understands there's consequences, an agreement is reached, eviction is avoided… however a moratorium changes this dynamic... now we will still file a notice of eviction while attempting to work out a payment plan with the Tenant however, the difference now… is that a new agreement has been reached and if for some reason the Tenant is unable to fulfill the new much more forgiving agreement and then still refuses to downsize... evictions, credit filings and garnishments are imminent and will surely ensue immediately after the moratorium. 2 – It’s already started most Tenants just don’t know it yet – What happens to vacant units when there’s moratorium in place?....

This is why having good accounting records are critical.

This allows the loan proceeds from our loan to flow to the seller, (granted not a lot of debt is recorded against the property) which allows them to get some cash "now" for their sale.

In the alternative, if you obtain title from the record owner, a quiet title action might bring HUD to the table to talk about what it would accept to release the property, or if they fail to respond to the Complaint you may be able to get a court to declare to lien extinguished.