Hi @Alba CheungIt will always be a good option to consider buying in Huntsville, it's a great city.

Additionally, you always have the option of loading up on a ton of insurance and putting it under your name.

Home Equity Line of Credit (HELOC): If you already own a home with some equity built up, a HELOC can be a fantastic option.

I think that if there is no possibility of leaving then your options are limited.

Option 1) Have it fixed by a professional.

A underwritten lender Pre Approval provide sellers with greater assurance that the borrower can close as well as an option for accelerated closing date timeline.

However the tenant is telling me they have personal issue and wants to move out of the lease or asking me options to break the contract. 

I just don't know if I will be happy or feel safe living in some of the homes/neighborhoods that I would be able to afford paying cash for.I've heard opinions for everything from 10 year, 15 year, and the 30 year mortgage options.

I’d struggle to come up with the 3.5-5% down on an fha or other low down options. 

I’m looking into this option too.