It looks like a good buy for the area, but I'll be the odd one out and say that I don't know if this would be a good long term buy-and-hold.

I'm working on a deal analysis for an REO property & was wondering the odds of the bank paying for closing costs, assuming they accept the offer?

But really what are the odds that two applicants will be EXACTLY the same, in the end you need to feel comfortable with the person in your investment property and contrary to popular being a jerk IS NOT a protected class so discriminate at will so long as you don't violate any fair housing laws.

My wife (who is anti-debt oddly enough) prefers to use financing up front to purchase to reduce the cash invested. 

I'll admit that I haven't had this come up much, but I don't find it odd that a bank wouldn't want to use a SFR as collateral on a commercial deal.

Keep in mind we are a odd industry in regards to how we deal with consumers.

BUT NOW due to mining recession house prices are plummeting and so are jobs - it's not looking better in the close future.My girlfriend and I have joined the "Rich Dad" based mentorship program for the UK and connected with a local investors group who already invest into UK (with the same program).The plan is to start with lower budget "buy to let" and find the odd good deal to flip a property for cashflow to reinvest.

Need some trim work done soon and some other odd projects here and there. 

Id recommend you consider getting it listed while the odds are in your favor.

While most Net Zero buildings are energy efficient, perhaps even highly so in comparison to minimum building code requirements, there is nothing requiring them to anywhere new the efficiency level of a Passivhaus   .... this is why you will see odd things like warehouses with large rooftop solar installations being able to claim Net Zero.On the other hand, Passivhaus sets three metrics which a building must meet to be certified as Passivhaus compliant:  The building must have a heating and cooling demand of not more than 15 kWh/m2 (4,755 BTU/sq ft; 5.017 MJ/sq ft) per year  and a peak heat load of 10 W/m2.Total primary energy consumption (energy for heating, hot water and electricity) must not be more than 120 kWh/m2 (38,040 BTU/sq ft; 40.13 MJ/sq ft) per yearThe building must not leak more air than 0.6 times the house volume per hour (n50 ≤ 0.6 / hour) at 50 Pa (0.0073 psi) as tested by a blower door.Ironically, the research and pilot projects which fuelled what eventually became the Passivhaus standard was carried out in Saskatchewan as a National Research Council (NRC) project in the 1970s (the house is still in use today) and a similar project (Minnesota?)