I re-categorized thousands of transactions and discovered missing items like equipment depreciation, which not only affects 2022 taxes, but will be valuable for years to come.

More institutional lenders are getting involved in the hard money space and much easier and better to work with as there is structure to the process 

If tax returns and DTI is an issue look at private institutional lending. 

When they left, we discovered that the dogs peed all over the house.

Let's not forget about Syracuse, NY (but just from an investment perspective).Syracuse, a prominent city in New York, offers a rich tapestry of culture, history, and education, highlighted by institutions like Syracuse University.

I would go to your smaller institutions and see what their commercial side can do for you.I'd be interested in finding out what you ended up with.  

(owe $15,000) very low interestLive at parents rent free- $0 monthfurniture credit card- $2400/$6000 $150 a month. (0% interest)Discover card - $3369/$4000 $150 month ( 0% interest) Navy fed card- $2,700/$11,000 Navy fed card - $13,000/$16,000Around 5 other credit cards which have no balance on them.Assets:I own a 2014 BMW 550i which is worth around $15,000. 

Along the way discovered some of the walls were rotted out due to previous termite damage.

Some lenders have clauses that could trigger the due-on-sale clause if they discover the ownership transfer.Seller Financing Terms: The seller financing terms seem favorable with 0% interest for the first 2 years.

We found a single family house that is $260,000 below market, after further inquiry, we discovered the house has a renter which the seller wants the new buyer to evict.