File a complaint with the State Commission for fraudulent charges.

When AC first got gambling the only other legal gambling was in Nevada. 

Unless there is some kind of approval from the PA Department of Revenue on the exact language/method you rely on, parties at the closing are taking a gamble.

I have had 95% of my clients blocked from property developers and other fraudulent transactions.

I think @Clint Moore is right about the predatory lending rules being tough once you get into lower loan values.I've never tried, but I guess technically you could try to hope for a good appraisal and take out a larger loan... could be a gamble though.Could you do a HELOC on your primary residence and use that to buy the duplex?

I don't like gambling, I only like to make bets I can win.

Oh, one last thing: there's a tribal gaming casino planned to be built in the southmost-central portion of the city which people take as a great benefit or the end of the world, depending on how you feel about gambling and/or money. :)

If a sale does somehow take place fraudulently you will find yourself owning the title company that handled the transaction.

I can't afford to gamble. 

If you're gambling on huge future appreciation, flyover country is not the place to be.