The two times that I've been to the house, they have been polite  and the house was clean and orderly.Back House: 2bd - 1ba,  lady living there has been there 15 years (mother of current owner). current rent $550 and market being $700-750.

This is a MAJOR cat lady house.

One thing I can guarantee, is no more ms-nice-lady.

@Jerryll Noorden  cash out refi for someone who is brand new is going to be improbable any HML ( and I have been one for years) is not going to bite on this scenario.. you could just pocket the cash and walk. as a newbie as you self profess you will need skin in the game and probably 20% or more regarless of how good the deal is.. you may find a private lender who is not to swift just like the sellers are not to swift to leave such a huge margin on the table.. unless of course you just dealing with little old ladies who know no better or others who are not swift.I get it if the house is a hoarder house or major issues. so want to make sure the newbies following this thread don't get the idea they can do no money out of heir own pocket deals with HML becasue3 that simply is not the case.. and I would bet you will pay 4 points at least being new.. 2 points is generally for a experienced known borrower.did you close the ladie that would not get back to you and you have to drive two hours to see here?

There was an older lady walking her dog, I figured she might know something, so I boldly asked how long had the house been vacant and why does it have postings on it.  

One lady even pays rent a week ahead. 

I received a knock at the door, it was a young lady who said she represented a developer.

I have an appointment with a tax lady tomorrow, but she pretends to be too busy for me 99% of the time as well. 

I would rent to this lady and end up with a biker gang in there before I knew what hit me  :)I would think it depends on the what the crime was...

I moved into a small rental of mine to save money for a couple years and had to let a lady go.