dogbliss,
You wrote,[...Lou thanks for the info...]
It is not often that one thanks me for info. Thanks for the thanks!.
You wrote,[...I will ..look into your suggestions...].
I just talked with my partner last night, who is an attorney, and he has a case now involving matters that are similar to yours. There is case law concerning your situation depending on the state that the house is in. If you would like for me to cite the cases involving your situation, you can PM me since this discussion could be unique to us only.
Lou