I do have my own property that I bought almost 2 years ago a decent paying job and excellent credit .

We've got 20%+ down with excellent credit.

But, building "good" or "excellent" credit can take years or decades. 

From the outside, it is in excellent shape.

@Jojo Joy excellent insight.  

I suggest you take detailed photographs with time/date stamps of the electric panel and any other pertinent parts of the system.

Yes, you pay more interest this way, but the amount is negligible if you Excel it out, or slightly more interest is acceptable I guess considering it succeeds more often with more people becoming debt free.

Well when I first started out, I mail merged a letter template on Word with my mailing lists on Excel.

I just finished reading the thread, and it sounded like an excellent deal for you. 

I ran numbers on for sale properties in Excel for months to get a handle on the financial side and then finally signed with an agent and got out to see properties in person and I was amazed by how different almost all the listings are once you get inside.