Every fall and spring it get's hard to make ends meet and I don't want to go through one of these dry spells again.

It will fall off of one's credit report after a specific time limit as the credit reports cover a specific window of time.If the application asks if you ever had a bankruptcy you still have to answer yes as it does exist and court records will still be valid.I am not sure anyone can guarantee to take such items off a credit report if they are valid.

We lived in Cuyahoga Falls for a few years.

You need a competent RE agent, like most occupations RE agents fall into the 80/20 (although it's probably closer to the 95/5) rule.

Do spec homes being sold at 70% LTV fall into the wholesale category?

There are ways out of a property if things fall through with your investors, but from what I've read, if you are to build a reputable name and business for yourself you need to have the financing lined up yourself if an end buyer does not come through.

Some communities are really nice but with factories closing the prices are flat to falling.

Don't fall for any of those late night infomercials offering get rich in real estate schemes buying property with no money down.

My reasoning is that soap dishes are often the point where cracks and gaps start appearing, and frequently old soap dishes "fall off".

You just have to go about the process a certain way in order to fall within the guidelines.