I spend roughly $120k on my renovations, but this is for the entire property and developing the secondary suite which certainly costs more (2 new furnaces, all new plumbing, new kitchens and bathrooms with tiled floors and showers).All said and done, I personally love it.

Nice to connect 😎Its in Joliet - Cathedral area I hope to meet you in person as well?

Personally I question whether the "extras" on policies like Proper's are worth the extra price. 

Others may have personal experience to share.

However, you can get loans that are based on the performance of the rental and not your personal income and debt.

I bought this property with a private interest free loan from a friend. the person i bought it from need cash fast so i offered them a low cash offer and they accepted.I had enough money saved up to rehab the house with my savings.

I personally leverage, but have a large rainy day fund. 

Hey Makani, you should check out DSCR loans, which are primarily for investment properties and focus on the property’s income potential rather than your personal income.

This does not seem realistic to have a credit score of 580 if a person doesn’t even have a SSN. 

I have personally worked with @Wale Lawal and he is awesome.