Main goal of All In One heloc or 1st Lien Position Heloc:  Lower your daily average balance.Main Drawback: Rates are substantially higher than 60% of current 1st mortgage balances.If you are mostly living paycheck to paycheck and your money leaves your account as soon as it comes in to pay bills, this is not for you. 

Basically, lowering the sale price as long as the buyer pays all the owed taxes as well.

That will get you looking at cash flow and end up in a lower rated area than you think.

Here's a breakdown to consider:Cleveland: @Zeke Liston You're right, Cleveland often boasts lower purchase prices, making entry easier.

Tenants in many markets already believe they pay too much (contrary to recent studies that show rent to property values have never been lower for the large US cities).If my insurance costs are not double my current rates over the next couple years, I will be pleasantly surprised.  

Which you want to lower?

With rates in constant flux, you might have opportunities to lock in lower ones.

A $45 application fee will apply.Income: Verified monthly income must be at least three times the rent (minimum $4,200 combined).Credit Score: A credit score of 650 or higher is required.Eviction History: No prior evictions are permitted.Should I lower it to a credit score of 600 and 2.5 times the rent? 

If rates drop, more buyers will come to the market and you can refinance to lower your monthly payment.

You can use the "bad roof" or other problem to negotiate a lower purchase price.