Go ahead and file.In real life it costs you time to figure it out and money.

It's still possible to BRRRR now, but the deal has to be muuuccchhh better and those are just much harder to find.People are still making it work in real estate though, primarily by getting more creative and often needing to add even more value to make the numbers work.

Then when the real owner of the credit card number found the charge, they did a charge back.

Even better if you can work for a property manager or real estate compnay. 

Real estate loans to owner occupied properties where the business of the owner is closed down - or SHOULD be, and the owner needs some time to sell the property.  

You can find an array of them that specialize in real estate here.

I'd suggest connecting with a Real Estate Attorney, and going from there. 

It's a good idea to spend a couple of hundred dollars to meet with a real estate attorney or foreclosure attorney and go over what you can and what you can't do in the state you want to buy foreclosures in.For clarity, there are stages to foreclosure.

At the time they had a real estate degree (they probably still do).

That is why it is hard to get regular real estate loans on assets valued so low, the cost of the refinance makes it so you are paying higher than they can legally charge you percentage wise.