@Matt Wells hope you don't mind me replying here but you can be added to title at any time. in most states you use a "warranty deed" or a "quit claim deed" to add (or subtract) people from the title/ownership of a home.  

Hopefully everyone had insurance and if you did you need to be very aggressive with filing and staying on top of your claims. 

As the lender I'm dealing with the angry calls from my customers lol.

We've been using Next Door Photos (Illinois) the last few years and have been very happy with their customer service and pricing.   

There are certainly some people who are doing it well, with 200+ units 'automated' as they claim, but I truly don't know what payoff they're getting, or how handsoff it is.

We haven’t ever filed any insurance claims.

I don’t expect to file insurance claim and it's probably an act of God clause or whatever it’s called these days. 

Sorry for the lack of clarification but we'd likely be paying the sales tax so our customers won't need to pay it and also I'm not a Lowes employee.

Then if it still doesn’t answer it, I call a local title company and ask for a customer service dept. usually large companies have that.

I have seen realtors who offer customers two options, either they can buy it out right or list it.