Everyone is mentioning Seattle in comments but I see no location on my side, odd. 

Thanks Arlen for your comments and perspective.

I can tell from your comment "Apparently FHA loans have been suspended" that you're not using credible sources.

Any suggestions, comments, help, etc. would be much appreciated.

There is no new information here that changes my comment.

Thanks for all the comments.

Please comment with any specific questions and I'll be happy to respond.

After reading THIS excellent article and great comments, I realized I was lacking some messages and will be sending a short follow up to supplement the financial info and resources. 

Tools and education trump split any day.I would ignore any comments about CoronApocalypse making this a hard year.

If there is not a value add opportunity, as some of the comments above alluded to, you will end up over levered with no viable exit.Full disclosure, you may want to run these strategies by your RE attorney to make sure there are no disclosure/lending violations at risk due to the seller carryback.