Hopefully I can learn something by continuing to read the posts and other educational material.

Sheetrock materials already in the home, just needs some siding, slight roofing, and finishing on the inside.

The estimate that I have is a complete itemized breakup of labor and material costs and includes everything from roofing, windows, furnace, kitchens, bathrooms, everything.

It utilizes different benefits from two companies, an identity theft program and a legal services program.

Foundation and utilities are there, zoning would be cool with that, and if I were to build that and sell it or refi it, and keep it as a commercial/residential rental it would be much more profitable.

Former Justice Potter Stewart of the Supreme Court of the United States, in attempting to classify what material constituted exactly "what is obscene", famously wrote, "I shall not today attempt further to define the kinds of material I understand to be embraced . . .

So how do I get Fannie Mae to come off that price more so I can sink about $50-60k into it (for materials.

These are things that you will encounter as you bring the home back to life by turning on the utilities and should pad your expenses for them.

My lease says that the tenant must keep the utilities connected at all times.

You shouldn't suffer as you were the original poster of this material.