Generally, you are a first-time homebuyer if you had no present interest in a main home during the 2-year period ending on the date of acquisition of the home which the distribution is being used to buy, build, or rebuild.

So I'm currently fixing an issue I had with a condo I bought years ago and hopefully that goes well and I can use that as a rental, but now my mom is looking to buy a place of her own, (my dad passed away 1 1/2 years ago and for last 8 months she has been renting but is over it and unhappy with place) she is looking to buy a 2 bed townhouse and I'm wondering if I was to go into it with her if it would help me rebuild my credit as well as maybe help her get a loan, she is 65 and I'm not sure how banks will be with giving her a 30 year mortgage but if I was to consign if that may help her or not even with a low score.

Does anyone 1) know how much FEMA may help her, 2) have any advice on how to proceed as far as the speed and order to gut and begin rebuilding and still qualify for FEMA assistance?

They do no see the value that flippers and developers have in rebuilding communities.

Some companies have a stipulation that it must be for a primary residence, so check on that.The cool part about this is that you don't pay the bank the interest, you pay yourself the interest (back into the 401k), so it is a way to get cash right now, but accelerate the re-building of the 401k funds. 

As far as bulldozing and rebuilding, you would be building among houses that have a hard time selling for $50k.  

I'm recently divorced and trying to rebuild my personal and financial life.

HI carmen I do a lot of work in Dayton  we have our own contracter there, we are  working hard to move up projects and get as many rental units on the market as possible because there is a shortage and many displaced peole.. they are going to need funds including investment funds to rebuild the city.

Can anyone recommend Cleveland Ohio contractors to help me with some small apartment remodels/rebuilds?

The two homes in question have reached the end of their useful life so we are in the process of planning to tear them down and rebuild.