The closest I ever found to good deals were in Olathe, Spring Hill, and Gardner at that time, but ultimately found my time was more productive in Jackson and Cass counties.  

@John PowellPick an area with a direct flight from your home towns closest airport

There are some exceptions to this rule, but that's for another thread.The government takes this pretty seriously, because they consider it abusing a government aide program by misrepresenting your intentions to a lender.

Plus, any parts that they would have fit into the old existing unit would just be a band aid.

A medical fact I know from the Army, no one is immune.Check your diet and cut back on drinking if you drink beer or booze.Take a sleep aid as prescribed and tapper off as you get use to sleeping better.You should really mention this to your doctor, there can be other issues you're not aware of.The older you get the less sleep required, I get 5 to 6 hours, I will also take an after lunch nap for just under an hour, but not always.

Two of my closest friends have had great success with real estate and I hope I can too!

The three closest rental properties are LISTED at GRMs of 9.2, 8, and 5.4 (all fourplexes).It's tough being in this game without having your license.

For a financed property, the closest a buyer can come to a cash offer is with a Fully Approved Loan.

The last 5 homes sold anywhere from 58 to 68k the closest home comparable  was sold for 65k.

You also need to look at the most popular deceptive and predatory practices that are generally discussed as "predatory lending".There you will find examples of predatory dealing in general, it's not all specific to lenders, you'll see that there are underlying deceptions of Realtors, construction contractors, appraisers and settlement agents that aids in the conspiracy of predatory lending practices.