And of course, you don’t qualify for the full 121 primary cap gains exclusion….from your numbers, 5/18’s (about 28%) of your gain is exempt under the 121 exclusion since you had Non Qualified use for 13 of those 18 years.This doesn’t consider whatever time, if any, you actually lived in it between 2011 and 2018

I refinanced the property around five years ago to help with the down payment for my primary residence.

"As a non-smoker I can tell that someone has been smoking in here..."

25% Down payment and Lender.

Furthermore, the only way I can pay him is giving him my credit card info over the phone....he has no online payment portal.I still owe him for the inspection ($435) and am hesitant to hire another inspector right now.

If you rent, consider up to 96.5% LTV owner occupied (OO) vs 80% LTV for conventional non-OO purchase.  

Property: HereComp: Here (Sold on 8/1/2022 same street)84 Grangerford Hts, West Henrietta, NY 14586Listed : 100kHML at 80% of ARV (240k) = 192kInterest only payments (10% interest)(192k x .10) /12 = $1,600/monthPoints = 2 (192k x .02) = $3,840Loan origination fee's = $1,000Additional monthly holding costs:- Taxes (5k/12) = $416- Insurance = $60- RGE = $120Total monthly = $596Duration of rehab = 6 monthsInterest only ($1,600 x 6) = $9,600Points = $3,840Origination = $1,000Holding costs ($596 x 6) = $3,576Total Holding costs = $18,016Loan amount of 192k:Subtract:- Purchase price = 100k- Closing costs (4%) = $4,000- Rehab = $50,000Totaling = $154,000Remaining balance on loan= $38,000Sale at $240,000:(-) (Realtor fee's (6%), closing costs (4%)) = $24,000(+) $38,000 Remaining from HML(-) Holding costs ($192,000 + $18,016) = $210,016Profit ($240,000 + $24,000 + $38,000 - $210,016) = $43,984 - (capital gains at 22% completely estimated) = $34,308Buy and hold:Appraised at $240,000.

If you have trouble showing income and the property is non owner occupied, you may qualify based on DSCR 

So many people including myself had issues with payment, fees, cancellation problems and a high amount of fraud.

And as far as the title insurance that’s non existent my father isn’t the paperwork kind of guy more the hand shaking keeping word signed contract and go about his day.