In order to do this, they drilled through the exterior vinyl, gypsum sheathing, etc of the house (considered a common element/ shared HOA item). 

This seems odd to me because in a perfect scenario you would get a HML to fund 100% of your deal with no money out of your pocket, rehab the house while paying your monthly interest payments to the HML, refi a few months later to pay them off but also cashing out and getting a nice chunk of cash?

Title in my area is written by Stewart Title and First American; common in many areas.

Of course there are different scenarios I can try as well to tailor it to what the owner may like but looking for ideas from people with experience on these kinds of deals. 

View reportI have been looking for a multi family property that is primarily remodeled to find a deal that works for a buy and hold scenario.  

Is this a common theme that I am going to run into with all HMLs?

Here's my scenario. 

Bob its actually quite common... like Chicago title in Dallas will not let you choose your own notary.. but closings in IL are far different than any other state were you have attorneys in the tulles in the deals.. we never see that out our way..

Have you ran the numbers on both of these scenarios and determined the difference in ROI and cashflow?

Originally posted by @Wayne Brooks:She needs to work it out with the son.....she pays the balance, he signs a mtg/trust deed to her simultaneous with you signing over the deed.Yeah, that is probably the most ideal scenario.