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.

I am doing research on a mobile home property that I was surprised to find available in my small town.  

@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.

They filled out an inquiry form on a listing site that mentioned their desired move-in date. 

Are you getting a discount on this property?

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

Maybe we will partner on one in the future.