I find, in India, there is at least one community that consists of many technical workers.

.  $$$$$$ comps -rehab cost +15% ______________XXXXXXXX  multiply by .70 to get an offer price and try to stay under 80% but as close to 70 as you can. 

Your competition will consist of fix and flip investors, buy and hold investors, and owner occupants such as yourself.

Loan Modification - This scenario essentially cost ~12k up front plus 12k in repairs for a total cost of 24k but it saves my wife's credit from long term damage since it will immediately start improving once consistent payments show up and the bank takes the loan off of a behind status.2.  

It would be reckless and irresponsible to assign a value on a refi that is consistent with the highest priced sales in the neighborhood.  

Yet you approach my simple question as an objection to be countered from a sales sheet.It's difficult to counter suggestions of being a secretive, pyramid scheme when providing answers consistent with a secretive, pyramid scheme.

@Dawn BrenengenThe other offers consisted of FHA, conventional and VA all within 10k of our $205k asking price.  

@Kent BaltareI agree with @Rob Javins that the area consisting of Gatlinburg, Pigeon Forge, Sevierville, and Townsend, TN may be a great fit based on what you described.A client of mine who owns some vacation rentals in Gatlinburg also owns a few in Myrtle Beach, South Carolina, and he has told me those do very well.  

That way, I could validate that I could consistently cover worse case expenses AND save money for the investment at the same time.

Yes - Zillow is consistently wrong.