Very smart and it seems to be working.I'd be happy to see them in person, since these generalizations may be too harsh versus the actual situation on the ground.

(sorry, not meant to offend).I know a lot of the comments, mine included, can seem harsh.  

I'm not trying to be harsh, but what you've said:  "The owner of the home is incapacitated" and "I'm broke and I have bills to pay what is my quickest and safest way to money here?"

Not to be harsh, but I think the first step is to take care of your judgement.

Chemical bank is also a good bank in OH.

I currently work for a large chemical company near my hometown on their procure-to-pay team, but I'm focused on working towards my goal of financial freedom and building my own career as an entrepreneur. 

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.  

Both new and seasoned investors can gain wisdom from the harsh experiences of others.

Not trying to be a jerk here, just warning you of the harsh realities.

does the bleach work better then the vinyl siding chemicals thanks for the help