., not "religious freedom" laws) is mentioned at the very end.Now, as they say "price overcomes all objections". 

And to make it just a little tougher, I have to overcome the stereotype of the smarmy salesman who uses deception and weasel clauses to take advantage of others ( not to mention being labeled "ambulance chaser" because I work probates).The brightest side is this: sounds like none of you are willing to boycott wholesalers all together.

If you DM me can share how to overcome being only 23 and trying to do rental business. 

A broker/agent with NO INTEGRITY will put their needs FIRST ahead of protecting a client and tell them anything to get that commission check and make a deal happen.That is NOT the way to run a long term business with credibility.How you make sure you are not liable it to DISCLOSE EVERYTHING you know and sell AS-IS.Fill out the sellers disclosure in full truthfully and honestly.AS-IS does not mean you are not disclosing known material facts as a seller.It simply means you are not going to fix them and it's up to the buyer to investigate further.By the way even if you do everything right and disclose the buyer can still sue you later.Buyers can sue for anything but it doesn't mean they will win but just sue you fishing for money once they realize they made a mistake.Usually the judge hearing the lawsuit will see that you fully disclosed and the buyer did not want to spend more money doing the proper inspections before closing.The judge will then dismiss the case usually because the buyer did not perform fully "their right to their own inquiry" before closing on the property.Where you get into trouble is the question you are asking now about I know something and fixed it but my agents says I don't have to disclose it.I can tell you that is absolutely wrong.Fixing a foundation crack and changing a rooms use known for water intrusion is an adverse material fact that you MUST disclose.Many sellers do not want to disclose items because they now it will reduce the sales price.The seller will pay for it now with a lower price or pay later with a settled lawsuit with claims much larger than the lower selling price.The seller usually buying a lemon house themselves try to pass problems off the unsuspecting or not knowing buyers.You as a seller just have to learn from this experience and make sure what you buy going forward is thoroughly inspected.No legal advice.

Will the non-recourse (no personal guaranty) debt from the other 2 properties adversely affect my DTIR for this refinance?

If you are risk adverse real estate, (especially out of state) is not for you.

It helps keep me inspired and persevere knowing that very successful peers & mentors like yourself are hitting very big hurdles, but overcome them and see the light at the end of each tunnel.

A success that comes from overcoming obstacles and finding creative ways to get involved in real estate investing.In 2014, I set out on a journey that had all the makings of a classic boondoggle. 

Impressive story, I am sure you and your family are stronger after all the adversity you were faced with.Good luck and happy investing Derrick

That small mistake was easily overcome by you thinking outside the box.