Talk to them and show 'em what you got.

That sounds like a investors dream Jay...I bet those home in Charleston were pretty run down so good strategy to just give em away to make way for new construction. there are some dealer and auction sites that i looked into that have them for very cheap and most are out on the east coast and south east to be exact. free to 1k sounds good, then i can do minor touch up work and get them ready for a tenant buyer. 

Got a raise at work and am about to be promoted to new role in Finance & Accounting, but retaining my duties as web developer and IT Technician/Administration as well. 

I don’t know about the lender outlook on the insurance......But as for your loan contingency.....if you are using the standard farbar contract, upon expiration of your loan contingency period, you do not automatically lose your EM if your loan is later rejected.Upon loan contingency expiration, the seller has the right to cancel the contract, but usually doesn’t.  

Hit em hard on fees .

I know from the county web site that the apartments were purchased at a bankruptcy sale many years ago and longtime residents tell me when the place started accepting HUD tenants, "that's when the drugs came in."

Assessed values for Jackson County are available on the web.

What I find intriguing is that there is an enormous amount of information available on the web about wholesaling, but almost nothing available about options to purchase real estate (note: I'm not talking about lease options). 

You will also want an assignment of contract specifically paired to your EM contract.

Love em!