., unfortunately, as we've begun the process of unpacking...we've discovered even more items missing :(.

@Ryan KoehlerWell the way I would do it is contact at least 2 different lending institutions.  

I'm a 19 year old from Lubbock, Texas and I've just recently discovered Real Estate Investing.

Its been my experience that financial institutions will refi on the purchase price with less than a year of ownership, but refi on the value of the property after 12 months.

I discovered BiggerPockets a couple weeks back while researching the topics of real estate investing, I found a couple interesting posts but didn't think more of it at first.

@Daria B.Well if things don't line up or if it is discovered that items (like rental applications) are missing then I suppose you have a few options:Require that the seller get their stuff together and get the items prior to COE, potentially delaying the close date, or backing up deadlinesNegotiate on price and deal with the potential issues as the buyerTerminate the agreement and pursue another property

A year and a half ago, I walked into a dealership with $10,000 to purchase a car. however , when I discovered that I could get said car for 2.49% interest rate per annum, it was a no brainier to finance the car and leverage the said $10,000 into a purchasing real estate investment...

If you didn't, maybe you'll come clean and post what you discovered. 

And thru there, I discovered Real Estate and all the opportunity that it could offer.

You might find it challenging to get any type of institutional loan due to property condition.