If you have questions related to financing/ mortgages feel free to contact me at your convenience & I'm always happy to help as this is my specialty

Hello @Cody Cook and let me be the first to welcome you to Bigger Pockets.

I don't think there is enough meat left on this bone to make it worth it as an REI unless they were willing to take less than they owe and paid it with cash at closing.  

Guy tried to bully me and lie about what the contract says, which are not a tactics that are successful with me at all. 

I could but that would still put me at around 40-45% DTI not sure if it will be enough to obtain traditional financing

At the REIA you won't hear and get rich quick pitchmen, you'll get meat and potatoes advice from real investors who are doing business in out backyard today.As we always say...Make It Happen!

My understanding is the turnkey companies do not leave any meat on the bones.

The true meat of the loan is left hidden and unfortunately can blast the borrower in the end.

Nothing was given to me at closing, in fact I lived in the house for a few months before I even knew..

It also keeps business owners from "cooking the books" exaggerating numbers, not showing factual and applicable financial aspects to mislead the public.