The people with the responsibility of pitching a very complicated financial product, a pseudo-loan that's technically a tax lean, are contractors whose training is not in finance.
Because this is a tax lean, rather than a loan, the financing isn't subject to the same consumer protections that you would get with a standard home loan.
All of that can be accomplished under those chaotic circumstances, but signing up for a massive lien on your house from a guy who's in love with his iPad probably shouldn't be.
You went from being a homeowner to being a renter, and if something happens with one of them, and there ends up with liens on this property, you're never gonna get the property.