Being a duplex that sounds pretty decent the odds are in the sellers favor they'd go pending ASAP. 

I would also add some motion sensor lights to help discourage people from trying to break in / make them re-think breaking in. 

More to the point of your post, most lenders will want to see where the down payment sources are coming from and will not look favorably at someone who is using credit card debt to cover the down payment.

The state of Oregon and the city of Eugene both have complex and unforgiving regulations that most often favor the tenant, so it is important that you learn about these laws so that you can make strategic choices now that avoid pitfalls later.Fortunately,  the Oregon Rental Housing Association at the state level and the Rental Owners Association of Lane county at the local level can provide you with excellent resources. 

These are areas where you can cash flow in Columbus because the rent-to-price ratio is favorable.

By highlighting my ability to close quickly and my plans to enhance the property's value, I secured favorable terms that fit my investment goals while laying the groundwork for the broader development project.

At the same time, I would reach out to that STR owner to try to get him to fix the nuisance issue.That said, even if you are successful in staving off the issue for now, it could come back at any time based on the current board members or on wide community support for getting rid of STRs.You could try to gather support for changing the covenants in your favor, but my gut is that that will be hard to do. 

Recognizing the opportunity, I reached out to the seller directly and negotiated a favorable price.

By showcasing the mutual benefits of my offer, including a quick and seamless closing process, I was able to secure favorable terms that aligned with my investment goals.

This is better than not speaking with your aunt, letting the problem linger and likely worsen.From my experience, in New York, the ultimate decision will depend on many factors and Liberal judges (as told to me by others with way more experience in these matters) can rule in favor of someone with a sob story. i.e.