Craigslist works better for me and is the main source in my area.

I just want to always be honing my method of calculating numbers because that is the hardest, most subjective and most critical part of the deal.Any advice would be appreciated.

Fannie Mae has unveiled a new program that allows previously excluded sources of income.  

The easiest option is to borrow the downpayment from other sources (401k, friends/family, low interest credit card).  

I was embarrassed I had been duped,but it could of been far worse.I know the odd one or two people may feel they want to post criticism over my actions and that's fine.

What is a better offer: 1) all cash (show proven available amount at offer) for $140k or 2) a $145k financed offer with me waiving my finance contingency.I think I can come up with cash but it would tap me out plus it would come from a few other private money sources.

Have you found any good local contacts or sources to help you in your investing endeavors?

The interest rate is higher than conventional loans and the costs are typically higher but what they can do for you is spectacular, especially if you can't qualify through conventional sources or where conventional sources simply don't make that kind of loan. 

Got nowhere....I've asked my agent to find out if the list agent can get something from the bank since the engineering company and the consultant company spoke of the bank as a source that may have this report, or, grant to them releasing a copy to me.At the time the county did inspect and sign off on the permitted work.There is a local company here called Ram Jack that does foundation above surface evaluations and repairs.

It's a very valuable source also!