@Valerie Copeland there is a lot more to this, but the BP rules (2%, 50%, etc.) are completely pointless and are causing folks using these calculators to produce false financial pictures of properties.

I called the court house and they said they no idea what i was talking about.

Just getting into the cash flow/financially independent life idea myself.

There are a lot of costs that go along with owning a house, and if you forget to take something into consideration when running the numbers you can be in financial trouble quick. 

Lots of people talk about privacy, but in a court of law you can be compelled to list all of your assets (like it or not).

This is "possible", but generally not financially beneficial.At the time of distribution, the property will need to be appraised. 

But, I need some coaching as far as financial strategy.I have an 800 credit score and no income (new RE agent) and my husband has a great W2 job but really poor credit due to some major credit card debt (long story).

You focus on what is the maximum you can spend to make money...and don't negotiate (rationalize) against yourself after you found that number.Second, whether you are the buyer or the seller, you focus on what you need financially first. 

The path to financial freedom starts with numero uno!

( I like the idea of a program because of the guaranteed rent but you are absolutely right, settling could come at the cost of peace of mind as well as financially. )Thank you for your insight and advice, its greatly appreciated.