VERY interesting backstory.
Tampa Bay paper....second home...son a broker...it just gets better don’t it. IIRC, back during this time 2009 IIRC, there was some hoodoo about banks not getting the documentation straight on loans and how all kinds of mischief could be had, given the right knowledge. Something about not having original signed paperwork on assumed mortgages and such..
Not saying this is the case here, but it has the earmarks of it.