If you lose out on a months rent it makes other low maintenance flooring much more competative. 

For an FHA owner-occupied low-money-down loan, perhaps don't apply until your next purchase?

The following items were neglected in order to save money, as examples: our hedges all had extreme white fly damage, wood rot due to water damage and putting off painting, our pool restrooms have massive holes in the roofs and we are in the process of reconstructing 2 of them.

The school ratings and low crime rate is what attracted us to the Sherwood area.We made an offer on the house originally to be the house that we live in.

As a private lender, I have worked with several investors where they have purchased the property at low enough values that they had little to no money in the deal.  

I was thinking it would be wise to keep my payment as low as possible, but this seems like an opportunity to borrow at a low rate.I am trying to grow my portfolio quickly and I do have another purchase lined up.

Also there is an extreme shortage of jobs here.

The odds of hitting an owner at the exact time they are motivated enough to sell with a direct mailing piece are very low.

The parties involved have extremely limited financial resources and are looking to do it themselves.Thanks in advance,Grace

I am extremely interested in talking with him about possible seller financing or other options that might benefit us both.