Both units are 2 stories, 3/2.

(please consult your tax people, I am not a tax accountant)My point is this, maybe there is an interim step for you to analyse from.If you are saying it is a 2 story house and all the BR are upstairs and there is no bathroom upstairs, that would be unusual for my neck of the woods.How old is this house?  

Here's a link to the story with some pics thrown in @James Masotti@Shanda Brown

In an effort to keep this simple introduction from becoming a short story novel, I would like to thank every member of BP for contributing to the community and inspiring myself and others to become great.

That is an excellent story.

At the end of the day, given the time, resources, and motivation, we are fortunate enough to be able to build the life we want, and all these stories are proof of it.Would love to get in touch with your partner in Auckland and find out all the things they have learned through their experiences.

Moral of the story, just because you might be able to purchase the mortgage and note may not mean you should.  

Some of the other info you wrote really sounds like sob story material - the landlord has no obligation to find out that your student loans that are supposed to be deferred are in collection, or that your car note wasn't paid - but the LL does have an ethical obligation to provide you the information that was used to reject your application, since they collected your money. 

Personally, I find that people who have been in the game a long time are more than willing to share their war stories, which helps to avoid making the same mistakes.  

Wholesaling is considered a gray area judged on intent, long story short Some brokers & lawyers are for it with the proper disclosures and while other brokers are against it no matter what.In any case, I'd suggest you join a local investment group of some type and ask around for agent recommendations or hopefully there's a PA agent here on BP that'll answer this for you.   2.