Here in SC we have a ton of programs for downpayment assistance and even lower interest rates- I would consider taking advantage of something like that as opposed to renting here.

I don't have any concerns and haven't attempted to contact your office, or any other coaching program for that matter.

Doing the right thing is expensive, but it pays off in the end.Yes, this is the option I initially explored and came across this pilot program that NYC was offering specifically to help homeowners legalize basement/cellar apartments but it seems like the pilot program was not much of a success.

Which hardest part is finding an accredited university for that degree as SCSU was a main go-to but has halted the program. 

They can guarantee security deposits but also have a program where you can guarantee SD's plus rent for those who might have lower credit scores.

this is math right out of a TV fix and flip program that just talks gross numbers and never any nets.. 

FHA has a program for such circumstances that I believe are 2 years out of bankruptcy, at least that's what it was last time I heard.Both a chapt 7 and a chapt 13 can affect security clearances.Some banks will never lend to you if you file either one.

They would likely want a new appraisal but some will accept an appraisal transfer.Check in with @Joseph Chiofalo they have a wide range of no ratio programs..

Both Pace Morby & James Hodges have mentor programs, they are expensive, but they will accelerate your business very quickly.

Be on the lookout as there are numerous programs that do the same.