I'm based in Windsor, Ontario, Canada, and I'm new to real estate investment.

If the score does not seem to be backed up by enough credit history to be reliable, I will make a judgement about the tenant's level of responsibility based on their answers.

So think twice before taking any outsized risks, as you already achieved a nice equity base, and you don’t want to end up screwing the pooch by taking unneeded risks ;)Good luck and keep us posted on your decisions…

The seller will also have to sign documents that are required and it will hold them liable for debts since they are on title.Best way to set that up is run the numbers and create a partnership based on the equity of the land and your cash injection and sweat equity.

Would that loan include the renovation costs based on the ARV?

Unfortunately, based on my experience, I'd be surprised if this is a legitimate opportunity for investment... more likely it is a means by which Eric and his team gets rid of properties they no longer want.

Absolutely, @Cynthia Lee happy to refer you to either of the Portland based attorneys I have experience working with.

Buying & selling it as land, no development.Perhaps what I have covers all the bases I am looking for. 

Based on the tenor of your posts, I've got to ask - do you have your primary residence squared away?

Looking for any guidance on any equity based lenders out there?