If you want to invest in Boise and are trying to time the market in expectation of a significant correction, that is a gamble.

Additionally with marginal credit scores the interest rates charged if you could get a loan are likely very,very high.If there is fraudulent charges on your credit reports and you dispute them the reporting party has to prove that the accounts belong to you and show supporting evidence to the credit agencies or the mark should be removed.Credit does not get fixed overnight.

Definition of "Seller credit":- One way to fraudulently influence future comps!...

But this was interesting enough to take a little gamble on. 

You can't make the 1% rule here without going to a bad area, and I'd rather get a higher return out of state than gamble on appreciation.

I know that we're slimming down our options, but I just don't like tying in our primary residence for such a "gamble."

@Dan Tunstall no different than Las Vegas gambling stories - you only here about how much they won, NOT about how much they lost before that "big" win.We've helped many investors figure out if the City of Detroit or the Ring Cities are better for them and then helped them invest for success.What else would you like to know?

It seems like they had good intentions in the beginning but started to slack and get the funds without completing his work.I have talked to my agent and I wouldn't be the only one involved in this fraudulent activity from this contractor.

It is unlawful/ fraudulent to warrant you are qualified to and intend to purchase (boilerplate language in MLS forms you sign) when you aren't qualified or don't plan to purchase. 

I have an unorthodox profession(professional gambling) that has allowed me to stockpile a great amount of start up capital and I hope to slowly start to transition into real estate to build long term wealth.