I thought I posted an updated to reflect our decision to go with an agent but it didn't go through apparently.Thanks to all for your input. 

(This reflects my parents' experience in the area, with many friends who have had foundation work done.) 

The window units seem to do fine in cooling down the place but the lack of HVAC may simply be a reflection of the neighborhood.I've got friends who rent out two mobile homes in a neighborhood not too far from mine. 

The upside is that rents reflected the distress and were below market How did you add value to the deal?

The upside is that current rents reflected the distress.

This is reflected in either your rate or your points, depending on the lender.  

Misbehaving children can be a reflection on the parents and speaks to their level of responsibility.

You could be a pain and it could reflect poorly on me.

I did not follow through with traditional financing because 75% of income is derived from a monthly military benefit and my business partner is a travel nurse/ contract worker so her W-2's don't reflect her true income.

If the source of funds used to acquire the property was an unsecured loan or a loan secured by an asset other than the subject property (such as a HELOC secured by another property), the settlement statement for the refinance transaction must reflect that all cash-out proceeds be used to pay off or pay down, as applicable, the loan used to purchase the property.