That would be around $90,000 sitting in a savings account!

Now that we are 10 days from closing, I am talking to loan officer to get the Closing Disclosure so that I can know the exact cash to close (I need to move money from brokerage to bank account) and he is mentioning about 2% IPC limit. 

I know some people feel like they need to invest in a course to hold themselves accountable or feel like they are doing something.

Account Closed 100% they are

A fake and basically empty Facebook account (with a hotmail email attached to it) was planted to give itself some credability.

And that's not even taking into account the regular tenant BS.

@Mike Terry sounds like a pretty good argument to go after the property, I think your question is more along how to value it, and account for the deferred maintenance. 

Account Closed said, income and assets are the only "hassle" with a conventional loan.

Foreign National programs sometimes require that you have US credit and most will want you to have a US-based bank account.

Money was deposited into my account the day after checkout.