Your thoughts on buying out of state and not having a tenant are valid, so you'd want to be sure you buy in an area with strong rental population and growing market (i.e. not a declining population) to help mitigate that.

A property may be sold subject to any lien or encumbrance by describing it in the deed of conveyance, a special warranty deed, unless state law prohibits transfer of title rights with outstand taxes due.If that is the case, you can enter into an installment sale if that is allowed in your state where you obtain equitable title but not legal title until the contract is fulfilled, look at a contract for deed or land contract, you need to see an attorney as you will probably have issues executing deeds under these contracts that circumvent foreclosure laws, you can do a contract without executing a quit claim deed and implement a different security agreement, so see an attorney.You could also use a lease-option, if that is appropriate for what you want to do, it would not be appropriate if you will be making repairs.Anyone can pay the taxes due

Are you driving without a valid driver's license?

I cant subtract what he paid , I cant give a full warranty since they were his materials , and if something is defective he will have to pay twice for the work .Professional contractors generally dont just work for labor , we dont put our money up for someones project .

Buying used ones often means one gets to purchase another one on the 91st day, the day after the warranty expires....or enjoy running around the neighborhood hauling appliances purchased through craigslist.Lowes and Home Depot both always have sales on washers and dryers, they deliver for free, haul the old ones off and the tenants think you're a great landlord for getting them a shiny new toy when you've purchased the on-sale, least expensive washer/dryer these stores carry.Gail

You've spent much more than the $200 in mental energy worrying about it.Another option is for you to provide them with a 3rd-party home warranty.

If you can get a seller to agree to escrow rents or warranty infrastructure for a certain period of time, by all means do so.

So, assuming that you're not a psychiatrist, I'd avoid dismissing the validity of this doctor's letter on your own.

Perhaps there's perfectly valid reasons for what I see as suspicious behavior and I would love to hear some possibilities.

IF the lender should discover this fact there is a valid claim for misrepresentation.