Subject to" is a gamble for both you and your Seller, but mostly for your Seller. 

Sorry i meant MLS, GA uses FMLS as one of the multiple listing services.. but anyways wholesale sounds like gambling... !!

@John Spellman, hi and welcome to BP.The Fair Credit Reporting Act (FCRA) gives you the right to dispute any item on your credit report if it is incorrect, outdated, or fraudulent. 

I consider it borderline fraudulent, but most of doing it. 

The thought is I could keep the same good tenant instead of gambling on an unknown tenant, the tenant gets continuity to their business instead of finding a new place for likely similar rent, and I get to increase my NOI for sale or refinance purposes.

Personally I lived in Seattle now Hawaii and I saw the light... need cashflow to eat (although i do admit that appreciation will make you rich)It could appreciate but I consider that gambling.

But it’s a gamble and I’m willing to take on a little risk.

Or is it too big a gamble?

I know trying to time the market is generally poor advice and more gambling then investing, but I am hesitant to start investing in a Roth now when the market feels like it is approaching a peak.

If she falsifies bank statements, tax records, or anything else you can take that to the police for fraud and no only can she be arrested she can serve time in prison for misrepresentation and fraudulent misrepresentation.