I want to reiterate and emphasize that you need to work with someone who has experience with HUD homes, not just someone that has done one or two, thinks they can, or just says they can.

I emphasize the word GOOD! 

Even though I was a graduate that emphasized real estate, I went to work in the construction business.  

I am 59 years old now and when I graduated from college I felt more comfortable with construction business even though I graduated with honors in business that emphasized real estate and I got a broker license.  

I did go to college, not that it is mandatory, and got a business degree that emphasized real estate.  

-Real estate earnings spending plan until the chains of bondage are gone: From Cash Flow: 25% into savings for taxes (will adjust after my 08 tax return), 25% for PITI and personal living expenses, 25% to grow my business, 20% to pay down bad debt (with emphases on the worst cash flow per debt finance instead of highest interest rate), 5% for my wife to spend, From Flipping: 40% set a side for taxes, 20% for business growth, 35% for bad debt reduction, 5% for the wife (got to keep her from charging).

In the business degree I got real estate was emphasized.  

I went to college and got a business degree that emphasized real estate.  

I got a degree in business that emphasized in real estate, and back then (1980) I could get a broker license in Teaxs without being a salesperson first.  

Hopefully, by then your income has returned to pre-Covid levels.Another alternative is to look at hard money who emphasize more the property that you are purchasing than you.