Financing is only one negotiating point in the grand scheme of a real estate transaction. 

And as an added little bonus, the appraisal came back a few grand more than the final price, so she felt justified in negotiating in the range she did.

If you had 6 or 7k in cash and 5 or more grand in credit card available balance, I would feel comfortable with that as well.

Even that woulda been a bargain compared to the 2 grand a plumber drywall and tile guy would cost to change it out.

I'm looking for a contractor in the West Michigan Area, preferably in the Grand Rapids area, to use on a regular basis for all my remodeling needs.

I'm looking forward to absorbing all I can from the folks on this thread.Cheers,Brent On your "duplex down" situation, more than likely you will be forced to convert it back to a SFR if a duplex is not aloud in the zoning since it was done illegally vs being grand-fathered in.

One of the main thing these pump and dump folks have going is its small money and your not going to get the FBI or criminal folks interested when U lose a few grand.. you have to find 100 plus folks this has happened to etc. 

If you look for nothing but the best deals you have enough cash and equity to produce a few grand a month in cash flow fairly quickly.

save you a grand with an attorney LOL...

Grand total of $48.35 cash flow.