Just frustrating since I was not there and didn't agree to that term and if I saw it would have canceled the closing, and I think the loan officer could have assumed as much since much of our phone conversations surrounded investing and rentals. 

Essentially, the overlay surrounds the City of Ojai and includes Oak View, Meiner Oaks, and east of Ojai.  

Unfortunately, she frequently turns it off to save on electricity, which exacerbates the issue.i have also sent her extra radiator heat so can just plug in , but she refuse to use because she has to pay high electric bill.She complained about the unit's insulation and requested that we install an additional baseboard heater( whats the use if she doesn't turn on the heat) .

Quote from @Patricia Redsicker: My husband and I have other property investments but recently, we established an LLC to start doing fix and flips in Baltimore City/County/surrounding areas.

I hear it is a Hub city for the surrounding counties and a lot going on?

The rehab estimate seems very low and the ARV seems really high in my opinion, just based on a tiny bit of research looking at what this property was listed for recently (it hasn’t sold), and what the surrounding similar properties are worth (~$250k).

@Justin Boyd just saw the location on this, I'm somewhat familiar with that market, we do quite a few retail deals in CLE and the surrounding areas, I'd be happy to give you an opinion on the site if its helpful.  

I've flipped several properties in Eastwood Hills East and surrounding neighborhoods, with about half selling to homeowner occupants and the other half sold to investors with tenants already in place.That said, the specific property you're considering is key.

At the time I looked, 20 or so years ago, the problem with smaller down towns is the proliferation of nearby strip malls, where the stores are surrounded by a large parking lots, and for laundromats, attract more customers as they can park easily, walk to adjacent stores for shopping, snacks, and browse newspaper and magazine racks, which explains why they do better, there's more customers.

Hey Nelson, I have managed many voucher program rentals in Orlando and surrounding areas.