Verify everything independently or risk-adjust the purchase price (which may not result in acceptance).2) then I did tax returns for a season. 9 out of 10 people with rental properties had no records of their expenses and would just say, “put down $200 for that” etc.  

The reality is that if you speak to many Bid Dogs that have been in the program for over a year, most of them do not have done much or no actual deals at all, and they are very disappointed with the program.Phil and Shenoah are surrounded by a group of assistants which, in my opinion, are just plain liars and fakes, pretending to be seasoned real estate investors, which is really questionable, and talking about incredible and fantastic deals that they are doing, in my opinion, most really in fantasy land.

Adding value will slow and heavy on sweat, dependent on cycling through several seasons of seeding, planting, growing.

I think it is probably the best option for you but find a seasoned investor to help you thru the process.  

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This could help prospective investors plan better for seasonal challenges and ensure they are prepared for higher maintenance during harsh weather conditions.For those interested in similar investments, your case underscores the importance of patience, unique property insights, the right financing, and effective property management.

I would love to be able to find a HML lender willing to loan so that I may refinance after the seasoning period.

Keep in mind the rental market has been changing seasonally these last few years so what is on the market this week seems to be setting the market price especially this time of year going into rental season.  

Take advantage of the seasonal tourist market premium.  

Put the funds in your wife's account and season it so its her funds.