My title rep pulled a property profile on the house and it shows as a 2/2. 

@Sandra Ho, It sounds like you are talking about late payments on their credit report for things like credit cards, car payments, student loans, etc.

A complete pitch deck will include: We'll evaluate some live deals to make sure that your assumptions and ARVs are in line with what our underwriter says.

I use Focusmate to co-work with others online. 

@Carlos MoncadaI am not aware of anyone who intends on filing any suit

If everything goes right I will be able to refinance and will have created 25% equity, or I may end up having to bring $10-20k to the refinance to get the 75% LTV depending on the appraisal, but even if that's the case it's still a great deal.

Are you getting a discount on this property?

This is because so much new multi family supply has come online.

If you don't want to use an attorney, you can make an LLC through the secretary of state website https://www.ohiosos.gov/businesses/information-on-starting-a... or other software platforms like zen business and rocket lawyer. 

also noting most people arent' aware but the credit score run by a mortgage lender and say a general lender like a bank are actually going to be different scores (and likely slightly different ranges) - with some greater weights on mortgage debt for the mortgage lender Credit Bureau settings