Yes, unfortunately, the issue you had is a rare one, and one that will happen with any software you use, or any credit card processor you use to collect rent.

Unfortunately I did not do the requisite due diligence early enough in terms of Zoning and I can not execute that plan. 

Another very dumb regulation is if someone switch jobs internally inside company, these circumstances makes them as they have no W2 as lender wants last two years with stable position.So again, here Credit union lender can give conventional rate that's very enticing by giving exception.

That's not my cup of tea and also very risky and capex may exceed cash flow if you don't spend enough on rehab up front.My last few personal purchases all involved circumstances that gave me an edge: at this point I look for properties that need minimal work: instead of a 6 months rehab, I already get 5 months of rent.

Maybe less)(the extenuating circumstances would be lay off's during covid)BACK STORY- i was about to file my chapter 7 bankruptcy, I looked through all the positives and negatives (so i thought).

I wish I could have started buying in 2012 but unfortunately I was a broke college kid and did not know about real estate investing.Personally I still think Columbus is going to continue to explode - "Columbus’ population grew 1.1% in the second half of last year, which is faster than any other city in the U.S." 

Ha, unfortunately, we are locked into that date with the venue!  

Still do you think this is worth it given our housing circumstance?

Unfortunately, I'm running into problems that I do care about:1.

Maybe less)(the extenuating circumstances would be lay off's during covid)BACK STORY- i was about to file my chapter 7 bankruptcy, I looked through all the positives and negatives (so i thought).