I may qualify for habitat for humanity but I don’t know if it’s worth it.

As of now, the freight fees would probably not make them a cheap ride especially with the insurance of having human cargo. 

If you are more interested in learning the skills yourself, volunteering with Habitat for Humanity is a great way to learn skills under the direction of experienced contractors while giving back to the community (and it would be free education for you).  

This is advantageous because it is human nature to want to make more money on the deal and the listing agent will be making 6% so they will want to help you. 

That makes no sense. 3. 2% vacancy and 2% repair factor are absurd assumptions and no way reality for any class of property.

. $500 Purchased at discount builder supply stores (Habitat for Humanity REstore, Seconds and Surplus, ShoptheBoss.com) All this stuff was brand new in the box. 4 brushed-nickel ceiling fans/lights -- $160 vs. $400ish2 brushed-nickel vanity lights -- $40 vs. $100ish4 24"x96" granite slabs -- $400 vs. $1,500ishUndermount sink $150 vs. $250ish660 sq. feet of handscraped engineered floating wood floor -- $660 vs. $2,000+40 sq. feet of glass mosaic backsplash -- $40 vs. $320ishCeramic tile for master bath -- free (I used some the people who sold us our house had left in the garage) vs. $200ish1,000 sq ft of FHA-compliant carpet installed with pad -- $1,100 vs. $2,000ish

(Although obviously there's value out there if you know where to look, like anywhere.)The reason I'm trying to stay away from Chicago/Illinois is (1) the taxes are absurd, and (2) the city's population is declining.  

@Josie Roman  there was another thread today.. and it was about pre approval letters and one of the posters commented that they were not necessary etc. and back in the day that's probably correct or in a severe buyers market.. but now with this type of fraud forget about market conditions and any other sales type tactics this is for financial safety and human safety ...

Which is not to say that they will outright deny you, but don't forget there's a subjective human aspect of underwriting.  

Your knowledge, your experience and sharing it with us is an investment in the Human Race!