If you "do everything" you will have less of an identity.  

With a one phone call turns out there was a FSBO for 10% less in the same complex with the identical floor plan and condition etc.

If the appraiser sees that the value is there he will often make his price identical to the sale price.

In my opinion it's important to make it clear in the police report, that you are the victim of the identity fraud and that the non-profit is the victim of theft.

Identity theft, medical bills, and no credit history are the only reasons I'd consider.  

Here, a disreputable lender can easily steal your identity, possibly your money, or simply sell this information to someone who will.A website like privatemoneygoldmine, which has been exposed in dozens of threads on this board, might rip you off for a few dollars until you figure it out.

This one is identical to my other two in that it is 2 story, 1450 sq ft, 3 bed, 2 bath.  

This would give the perception that month 6 return is higher than month 5 even though the actual cash received is identical.  

Let's run a $500k scenario both extremes, 3.5% down FHA and 20% down conventional.These are CA numbers for things like prop taxes, but the concept should carry over identically.Let's pretend yours is a market where sellers do not frown on 3.5% down FHA, and let's pretend closing costs and/or what you can negotiate with the seller are identical and can thus be ignored.20% down: $100k down, PITI $2600/month.3.5% down FHA: $17,500 down, PITI $3400/month.FHA is $800/month more, but you got to keep $82,500 in your pocket.The FHA scenario where you pay $800/month to keep $82,500 in your pocket is mathematically very close to the following:3.5% down, first mortgage 80% LTV, 2nd mortgage for 16.5% ($82,500) hard money at a rate of 11.6%, interest only.

Evelyn Roper in my town of Reading Massachusetts house identical to yours would be well in excess of $600,000.