So long as it immediately appraises for circa $1.3M, if you pay the $900k all cash up front, you can apply for a "Delayed Financing Exception" which should get you all your cash back (ie. 70% of appraisal) straight away. https://www.fanniemae.com/content/guide/selling/b2...From the Sellers point of view, so long as your Lender is on board, they don't REALLY care if their money is from you or your bank at closing time - they just want their money guaranteed!

You may also want to check out the Property Hub - focused specifically on the UK market: https://thepropertyhub.net/If you're interested in purchasing through an investment house, I work for one that provides 'deals' and an advisory service in the regions we specialise in. 

I do know that base boards go around the bottom of the wall. 

I am going to lodge a complaint with BBB and also the Ohio Real Estate Board. 

Hopefully you can find a Mentor on the message boards.  

@Scott Taylor, 25% down is standard for non owner occupied 2-4 unit.If you're going to live in a unit: we can do 15% down for a duplex, or 20% down for 3-4 unit. 3.5% down FHA across the board, of course, but good luck getting an offer accepted. 

However, if someone on the board or the association has an issue with it, the insurance provisions will likely be used against you, regardless of the association's published policies. 

I think what commonly gets overlooked by newbies and is generally not overly pointed out on the boards here is that the notes that many are investing in are "distressed" loans NOT prime loans.  

However, units more than 4 is on the board to be added in the near future.I highly recommend reading the ordinance and try to understand it and discuss it in public.

They have no license to lose, no state boards to fine them, etc.