I just purchased this house that was built in 1969 and it has these exhaust fans, one in the kitchen and one in living room.  

In the basement, I was a little leery about the exhaust vents that went from the hot water tanks into the chimney due to a slight negative pitch on the ducts, as well as some gaps in the ducting (CO issue).

Might want to exhaust (or rather attempt to as it's not likely one could) the information available on this site and the plethora of books available first

Some of my inner wrestling was frankly exhausting as my fears tried to shout down my determination to learn and stop living such a whipped life.  

Documentation of furnaces serviced within the past two years Properly connect dryer exhaust pipe in the basement.

Explain how it’s similar to a short sale, and may get some cash back for their equity.4) If they again refuse ask if they have any other ideas since I have exhausted all of mine.

I've exhausted my loan options via unsecured and my bank has turned me down now.  

In 95% of cases, I recommend finding a single family home (SFH) in the suburbs of Baltimore (think Anne Arundel, Baltimore, Howard counties, depending on where your work is) and renting to 20-somethings.Key criteria for a successful SFH househack:Suitable zoning criteria, i.e. room rental laws (county by county)Within 1 mile of hospital, major company HQ, public university, and private university (to attract 20-somethings)At least half as many bathrooms as bedrooms (i.e. a 4 bed / 2.5 bath could work, but 4 / 1.5 could get sticky)Plenty of driveway space / street parking (1 per roommate)Plenty of kitchen space (since the kitchen is the most occupied room other than individual rooms)Basement or side entrance entry point (i.e. if you wanted to turn the basement into your living space, you could enter from a side entrance)Un-involved neighborhood community (cul-de-sacs can be the worst spots)Turn-key quality (i.e. you won't need to fix much of anything when you move in)This list is by no means exhaustive, but things to think about when you work with an agent on a SFH househack.

I had exhausted all of the options as far as I knew   I went to bank after bank.

The LTV is going to be inline with conventional mortgage.The main reason folks go to commercial portfolio is because they have exhausted their conventional mortgage options.