I'm at a point where I can afford almost anything I want, but I still have to consider whether it will really bring me joy or if it's just a temporary impulse for a shot of dopamine.

First, qualifying as a real estate professional for tax purposes requires more than just 100 hours of participation.

Just kindly tell both sides about the noise issue and if they get tense, mention the clause about noise.

@Mike Bator the good ones are, but just like in a baseball, there are those who are proactive and excellent at it just most of us play in a beer league on the weekend

Put them on as a minority member of your business entity/ LLC and you'll have no problem using their funds with just about any lenders.

@Carolyn Fuller here is one of the many I have done ( I update them every year or so depending on changes I make to upgrade) CLICK HERE

And yeah I am not opposed to the 80% ltv, just figured get the most I can possible to utilize it as best possible with cash reserves left over.

There was just a discussion about how section 8 in Toledo is terrible and not worth it.

I am not a credit expert.. just know how tough construction loans are .. so with zero experience and missed mortgage payments I suspect u will not find a lender that will do a loan for you. 

I just inherited a 3-bedroom house in upstate New York.