My wife's car payment is $342 per month, (We owe around $15k still) we have a personal loan we used to consolidate our other debts that costs $768 per month, we also have $203 for phone, $134 for insurance, $200 for utilities, $50 for misc subs (Netflix, Disney Plus, Car Wash etc.) and internet at $88.

I agree after the drinking part, try to stay off my phone!

I've give you phone and email but BP won't allow. 

The person you spoke with on the phone should be the owner per county records.

Then if you have more time, access to internet, and a good phone line (none of which were guaranteed on either of my ships), you can start doing flips or BRRRs. 

And, do they come with phone numbers or just mailing addresses?

I also tell them my phone number and let them know that if we don't get an opportunity to talk after the meeting that they should text me. 

Anyone have an appraiser show up and tour the property and not return phone calls and not submit the report? 

Hi Oleg,Pick up your phone and call the broker and see what's needed to get the ball rolling.Good Luck!

I'd say your best bet would be to get on a phone with a lender and talk through the proposed situation so they can give you an idea of what you are looking at and how much it's going to cost.