Why don't you show the bank your bank statement and tax's returns and verified income you can make the payments, and then they might help you, but you're coming in wanting to take over a property without any of your funds in the deal the bank might think there is a scam in the works?

Kris Haskinshttp://www.biggerpockets.com/forums/52/topics/140802-craigslist-scam-finally-got-me-good?

And the scam artists will still find the loophole and the little guy gets inconvenienced even more.

Anything I've looked at online for financing seems like a scam.

Or do I request fees in mail, then send the lease for signing...assuming they don't think I'm scamming them.

I am scared at the same time as where I go for help, I sense scam and rip off.

The fact they're willing to roll the fees into the loan amount make me feel like they're not a scam.

I could never understand how much effort they will expend to scam the system rather than just getting a job.

Anyway, Kohler's book may help clarify how some of these legitimate strategies could help you solve the overall problem of cash flow and your personal balance sheet.Don't think of it as rent vs buy, think of it as all the possibly ways to use, manage, leverage, and conserve your resources employing your current assets and effective proven tax strategies (not scams but conservative real options for savings).

I would never take over a random vacant apartment although that seems to be a popular scam here in FL.