This should also ensure youre getting about 8% return on your money. 3- Business Friendly and Credit worthy State.

I do think the communication level is poor, not sure what the level of commitment is between you but I'd consider looking into another firm so your prepared for a change.. 

We have zero bad debt and 800 on credit scores, but maybe that doesn't matter for these kind of purchases?

Does the existing paperwork that has the old owner on it transfer to me or do I need to prepare a copy of that lease and have everyone sign so it's "legal"?

Can you get a hard money loan with a credit score under 600?

Most landlords these days fill up the pool make a garden out it.The waiver works if properly prepared and is safe to use.

@Brian LeskoWithout looking at property, these are just a few that come to mind, of course some of these are a bit to soon to ask during a showing and even the realtor may not be prepared or know the answers to these, but eventually if you want to proceed with this property you should definitely get answers to these:How long have current Tenants been there?

A very small amount of equity in a personal home (I bought it at the beginning of the year), two cars (maybe worth $12k), a small E-Trade account....My credit score is 670.

While speaking with on lone officer they mentioned a credit card.

I have 780 credit and 831 FICO.