@Graeme Harris Start analyzing lots of deals in your desired neighborhoods.

Harry Marsh https://www.harrymarshlaw.com/ 24 Hour Title.  

Quote from @Theresa Harris: If you sold it, what would you do with that money and how much income would that generate compared to keeping the house with the added costs of buying out your partners? 

I have been trying buy at the Texas (Harris County, fort bend county) county auction and on some auction sites, in hopes I find a deal in the Houston area that I can flip or fix & hold.

Quote from @Dean Harris: If you look at crime rates in Memphis, you will never buy here.

Quote from @Theresa Harris: I'm assuming for the water damage, something spilled and they didn't mop it up or they had the dogs water bowl on the floor and water go onto the floor and wasn't cleaned up-if either of those are the case, then I'd explain that to them.If the floor is damaged and eventually needs to be replaced, I would not replace it if they are going to stay there. 

I  purchased a home with a HOA lien at the Harris County (Houston, TX) auction.

Originally posted by @Theresa Harris:@Cameron Riley  Here is a link to a document about damages and responsibility from the HUD site.  

You can find more information here for Houston Housing: https://housingforhouston.com/And  here for Harris County Housing Authority: https://hchatexas.org/

@Theresa Harris @Peter Tverdov Why is a larger down payment of 20% on a conventional loan a better idea if the interest rate is gonna be the same for both products?