BUT, let’s say for personal reasons you want to “stretch” for faster wealth accumulation.  

What is the reason that you are not having success?

I need to do some research on what credit score I need to actually begin this process 

How do you determine a reasonable target return?

If the work needs updates, that’s where it can add up, but $30K sounds like a reasonable cushion based on what you’re describing.It sounds like a solid deal, especially if the cash flow is good.

There is really no reason to roll the dice in a craps game.

Unless you are going for a specific look, there’s no reason for an expensive toilet.

the insurance companies are not charities; they deserve to make reasonable profit for providing the insurance.  

We have done it both ways where we fund purchase and they cover rehab but if the individual is less experienced we do not do it that way, we have them put more money into the deal from the start and fund the draws, reason why is we also had a deal where the person said they would do this and never did anything and property sat and loan matured and it was a pain.Just recognize you will still not get 100% financing for the purchase, so you are putting money in up front. 

That is reason enough for her to move.