I have not been to Irmo/Columbia for several years, but many speculators made money along the 26 corridor back about 5 years ago.

Your analysis included several different factors.

She has no current income.If there is any equity in the property, should would have applied for a reverse mortgage.Bankruptcy doesn't stop a foreclosure and hits the credit for several years.Should would be better off selling, taking what little equity she might have, and avoid taking a hit to her credit with a foreclosure.

Funny they are behind because they asked me several times if they were going to have to move and they didn’t want to because their child attends the school down the street.

I'm an attorney and I am just warning you it's potentially more severe than a speeding ticket.

I know several apartments in my area won't allow dogs under 1 year.

There's a concrete shed in the back (about 6 ft from the house) that has a severely damaged roof.

There are several schools with good Google reviews but most of the reviews are for the in-person course, not online.

But sometimes next day - depends on the bank.I personally have several in escrow right now.

If you're looking for rentals, there are several that will fund your purchase as a bridge loan so you can still pick up properties quickly, then you'd refinance with a bank.Best of Luck!