I am sure it has been said on these forums before BUT:  A bad operator can ruin a good project and a great operator can make a bad project manageable!  

Then was able to turn around and help a single mom into buying the home after she had ruined her credit going through a divorce.

I've had my share of bad property managers and they can ruin your life.

I understand that ruins your financing plans but it may be your cheapest option overall.  

During inspection we tried on the water and found 3 different broken pipes which ruined the drywall in the living room, a bed room and the garage.

Your credit will be ruined if the ex decides to stop or simply can’t pay the mortgage and the mortgage holder isn’t going to care that the ex was suppose to be paying it.

I am so upset they will ruin my credit, plus I don't have the money to pay them--not that I would want to.Any suggestions?

Ruining the persons credit.4)Find a lender.

Scott if Charles has good credit he might not want to ruin credit with a foreclosure for awhile.The lower credit score will affect rates on credit cards, car loans etc. for awhile until it rebounds.

Your still young, don't let a bad apple ruin the real estate goals you have established.