a simple e transfer gets them paid and being that it is a second job for them, their fee should be fairly cheap.If you have about 20k in cash on your own, i would look to secure another investor or solicit friends and family. 

The real world answer is, there is practically a 0% likelihood of you actually getting a deal done.

First I am drawn to "Lease Option" investing and secondly "Buy & Hold".I joined BiggerPockets from a recommendation from www.olddawgsreinetwork.com.

So, I am looking at my second note purchase, and I have a question for those with more experience! 

With a large walk in closet, a large over sized bathroom, and many had a second living room (or as the one guy called it... a "sitting room").So it has been done, the one thing you need to overcome is windows...

And with a good tenant buyer that is willing to pay in a little extra per month toward the down payment, you can get them to work... and ultimately collect your profit on the backend, or on the second and third lease option tenants if that plays out.The clear advantage of going this way is... if you dont find a "GOOD" lease option buyer, you are not obligated to the sellers... just let the bank take it like they were going to anyway.Pre-foreclosure lists are easy to find, and because getting a short sale completed is a numbers game there are often many sellers in that niche that could not get the short sale done, and are going to walk... you can cut your teeth on those until you get your system fine tuned.On a side note... the other way to go is to get a mailing list of absentee owners from your county tax rolls, or realquest.com.

She will make the copies with a second person) That way there is another witness that all info is given everyone. the reciepant it fighting that, saying that as reciepant the bids will no longer be legitimate unless _she only_ is the one who handles the bids until she gives them and the summaries of them to the rest of us.

Keep your repair receipts to justify mark up on home.read this...Seller Seasoning:Seasoning <90> 90 days but < 12 months, a second appraisal may be required if the re-sale price is 5% or greater than the lowest sales price of the property within the past 12 months.Property flipping is a practice where recently acquired property is re-sold for a considerable profit with an artificially inflated value, and is ineligible for FHAAlso attatched is guidelines for FHA loans Hope this helps

The two houses are not touching or anything, and it's pretty common in the area to have carriage house apartments, so addresses that aren't actually on the street is also common (the second house does have its own house number, it isn't a 1/2 or anything.)Can anyone think of any reasons that the current owners might NOT have wanted or been able to split this property in two and sell the houses individually?

The second option is a loan modification, where the borrower and the lender agree to new loan terms that are acceptable to both, perhaps with a lower interest rate but larger balance.