I'm not trying to be harsh, but rather I'm telling you the truth.

Great credit to some companies may not qualify you for the interest rate you want at others.Sorry to come off harsh, I'm a fellow college student that works (on the books) and I know how it is.

I dont see how you could think that you could get away with only 5k out of pocket if the seller said they would not contribute to your costs.Im sorry if it sounds harsh, but again 3.5% of 165k is over $5k.If you found a different house where the owner was willing to take back a second lien position, that would work.  

Its her first post, so lets no get too harsh and scare her off.......we all started somewhereTotally agree with all above....get an attorney and start the eviction now.....should have done it months ago.Lesson learned

The brick exterior is lower maintenance in the harsh winters in IL.

@Ryan Evans, didn’t mean it as harsh as being played like screwed over.

A little background on myself: I'm 22 years old, soon to be graduating with a degree in chemical engineering and (thankfully) with a very nice job already lined up.

@Evan Hooks I live in richmond but i work throughout the hopewell/ colonial heights/ richmond area... the unfortunate thins about hopewell is how much of the local economy depends on Advan6 (the large chemical plant)...

I am a chemical engineer from the New Orleans area but currently working in Beaumont, Texas.With real estate, I am looking to develop "passive" income while pursuing the development of a real state company.

We are open to move to almost anywhere in the US except to places where there are harsh winters.