At this point, I feel like both were wrong and I should just get a land appraisal.

I am under a time crunch and would like to purchase the property asap (due to tax reasons).

Hi Nadia, here's a few things to consider:Credit Score: Set a minimum, like 600-650.Income: Require 3x the rent in monthly income.Employment: Verify stable employment.Rental History: Check for positive rental references.Background Check: Make sure they don't have any criminal history.Security Deposit: Typically 1-2 months' rent.Pet Policy: Decide if you'll allow pets and set fees if needed.

Although, I would like to have first access to foreclosure properties with HomePath's First Look Program, income/capital gain tax benefits from my PR, and more favorable loan terms. 

The newer ones also allow for a recirculation line as well.

I am interested in buying this property as well as it shares a backyard.

I personally like to buy in Columbus because of rising values from tech growth.

Having a solid team around you like agent, lender etc.

Or consider a multi family as well.

.- **Commercial Loans**: These are more suitable for larger multifamily properties like yours.