Whenever possible remove carpet & install vinyl allure flooring or refinish the hardwoodsRemove all ceiling fansRemove garbage disposalsInstall non locking door handlesReplace wooden windows (think lead based paint issues)Paint everything one neutral color (agreeable gray is the most popular right now)Remove anything that hangs off the wall or has unnecessary moving parts (ex chandelier, wall mounted towel bars)

@Mike Gray - Welcome to BP

Just a lot of gray area there that I need to uncover the specific details on. 

But the FHA guidelines are 3 yrs for a foreclosure and 2 yrs for a BK.Unless you're a veteran, then for a VA loan technically there is no seasoning, most underwriters want to see 2 yrs but this is a very gray area and easiest to qualify for.For Conventional, it's 7 yrs foreclosure seasoning, regardless of your credit score or LTV (which will save you from getting your hopes up and wasting your time calling around).  

Now, a lot of what qualifies as "doing business" is very gray in most states.

@Samantha Soto and @Spencer Gray, can I ask what makes the area desirable in your opinion as fellow hoosiers?

I would go with an off-white/tan.I really don't understand the love affair with gray these days. who likes a cloudy day anyway?

And it is gray and gray and gray.

@Patrick Gray -  Not going to sugar coat this, you need to get your bankroll up.

Thank you, @Mark I. and @Tom Gray, for your inputs :)