Eventually, I get the information, run checks, find a simple assault charge against the husband that the wife apparently did not know about, and it is one big mess.

You are allowed to charge tenants with a water bill.

So much of what I see here is emotional investing.

Lets just say they charged for their time, to reach $40K (even at the insane hourly rate Will Barnard pointed out, that is 281 hours, or 35 full work days.

These are emotional retail deals and typically are a liability rather than an asset.

I am not saying it will not happen but I think it is unlikely that you will find a lender here on BP that meets your situation, and even if you did I would bet they would charge interest rates you would not want to pay.

I was emotionally attracted to the place for a few reasons.

I found most agents in SW FL want to charge one month.

BECAUSE it was originally under your name/LLC the utility will not charge you a deposit again when they leave.

., there was no interest charged, can be done for quick deals, longer term is another story and the IRS has imputed tax rates when interest is not charged, so when the seller finds that out, they may not be happy which could make things tougher down the road.Much has changed, read up on loan servicing for issues.