One applicant mentioned their desired move-in date in 9 months in the future but that move-in date is way too far from our earliest move-in date (2 months from now). 

Hi Mary,It is true the lender will not usually give you the rehab funds in advance, but this does not mean that you must complete all of the rehab out of pocket.

Move out time came and they hadn't even started looking for a place etc etc. 2 weeks out from the court date for the eviction they upped and moved and didn't even request the funds (not that I would have given it to them anyways because they were 2 months past the agreed upon move out date).

I have been struggling to get any kind of loan/funding.

Think about desirable areas, and buy just outside of it?

Additionally, I strategically positioned the condo as a desirable rental option in Uptown Charlotte, capitalizing on its prime location to maximize rental income and overall property value.

They will fund 45% of the loan at 1.5% for 20 years.

A skilled operator can still make money there, but if you are long distance, have no connections to the area, and just like it because it is cheap, it's probably going to take a lot of time/hassle and underperform index funds.

You can bet on where you think the fed funds rate will be with Fed Funds futures contracts, and right now that market has the fed funds rate all the down to 3% by June 2025.

Be very polite, plead ignorance and stress your desire to make everything legal.