But during the buyer’s due diligence, several unexpected issues surfaced, each cutting deeper into the profit I had worked years to earn.The first issue was with the water lines.

This health issue ultimately led to a close family member passing and now I don't believe they have any family living in our area anymore.2.

Tenant issues?

Overcrowding can strain plumbing, electrical systems, and air conditioning, leading to expensive maintenance issues.

In a city like Philly, you will face many challenges - you need to learn the market and know the neighborhood and the block and make sure all of your numbers are within reason, you need very reliable contractors, you need a to understand the permit process, you need to be familiar with market expectations. 

@Ryan BroschardHi Ryan,You have hit a common issue many new investors fail to anticipate.  

@Jesse LeBlanc are virtual hugs permitted here on BP?

Zoning issues?

One thing to consider on the credit card option is that a lot of contractors don’t accept them so that could be an issue.

@Rachel Jane a lot of issues here to consider:1) Does the condo association even allow rentals?