Hello,I have a dilemma with obtaining a conventional mortgage with my partner.

She is an older lady in poor health.

I graduated back in May 2015 with my Bachelors in Public Health.

I've got a similar dilemma except to pay off low interest debt vs invest.

And how this house is really dirty to damage her physical health.

To further complicate things, the health department in the county requires a 1 acre minimum parcel size for a new septic system.

I am so glad I posted my dilemma on Bigger Pockets!

Thank you so much for the feedback Michael Lee.The market in California has always been complicated, there are a lot of investors that can pay for shortsales cash.So at this point my biggest dilemma is to buy and flip or to buy and hold.

A dwelling unit is not habitable if it violates provisions of housing or health codes concerning the health, safety, sanitation or fitness for habitation of the dwelling unit or if it substantially lacks:(a) Effective waterproofing and weather protection of the roof and exterior walls, including windows and doors.

Your dilemma is exactly why I took my properties back and developed a software to simplify management so I can do it myself.