I'm more just tossing the idea around in my head should things get worse in years to come.

I charge a good bit for my properties, that screens them.Do hotels run background checks on guests?

I am eager to start but can't get around the glaring issue of not having initial capital so I was wondering if there are any methods you guys would use to raise capital if you were in my shoes or is it just time to put my head down and put in long hours? 

If I do write my own addendums I always run it by her first. 

Every one of the owners he is under contract with will tell you to run from this builder (law suits in the works).  

But I feel like I don't know what I don't know when it comes to running numbers in the midwest. 

Short story, landlords tend to run away from QB, not towards it.You might give other software designed for landlords a try before moving back to QB. 

Another question that I haven't yet heard the answer to: Do local governments ever run out of HCV funds? 

It's a dishonest promise.If you are in foreclosure, it sounds like you are either there or headed that way,  what you are encountering is a "foreclosure scheme" they are illegal in most places and for good reason.

Since you're analytic savvy, run some high level amortization schedule scenarios to see how much equity you gain through annual principal payments.