Your coop is a liability that I would off load and concentrate on investing as your #1 priority.Your plans to have children is going to be a major constraint on your plans going forward.

If you intend to do a reno, then an appraisal won't matter much since your end profit will be reliant upon your finished product.

Therefor you can find great cash-flow for less capital and lower competition from owner-occupants/flippers.Lesson to be learned is getting feet on the ground in those neighborhoods to understand the differences in product type and highest/best use.

However the items are not that major in difference and costs.

Here's the quick and dirty: Purchase: $250k (max)Reno: $175-200k (pending deeper inspection of roof and foundation)ARV: $475-480k, per our 203k consultant who is also an appraiserMonthly Rent: $3,950 - $4,000PITI: approx 3,000-3,100Other Expenses: vacancy 5%, Repair/Maintenance/Capex: 6.5k/year (all major repairs done during reno, budgeted low for capex)Cash Flow: approx $150-200/month, depending on interest rates/PITI payment Cash on Cash/ROI: 7% the first year (due to reno) and 9% there-after.

However if the keys and code were given out before closing I would consider that a major problem for the agent.

My best analogy would be Sonic having 168,000 drink options - to accomplish this, they are likely only operating form a handful of products, matched multiple times with other products. 

If that is what you are trying to do, I would say look at other banks, if they are saying it is not “reusable” like a credit card (or checking account) they likely aren’t aware of what it is you want and are offering you the wrong product.

Oregon is 10 in the country for fewest defaults and highest credit of borrowers for homes.. wholesaling would be extremely hard without major budget and you defiantly need to be licensed to sell property you don't own.. state will get all over you if U try the tie it up put it on craigs list or have a website or blast e mails.. one complaint and your toast in that regard.. you need to have your financing lined up so you guy then resell.. flipping is alive and well.. but again much much bigger dollars involved than in GA ( at least most parts of GA... its like working the expensive parts of ATL price wise.although you can still flip in the high 200 to mid 300 range but there is virtually nothing at or under 100k to buy .. lots sell for 100k and over.. rural Oregon will have cheaper properties but much harder to sell with lack of buyers.. but one thing is for sure  if you do a nice job on a flip and price it right it will sell in 2 to 4 weeks at full price and you don't have to worry about folks getting loans and such.. this is not a credit challenged area like much of the deep southas for paid trainers there are good ones and there are tons just selling rehash of those that came before them remember there is not very much that's secret or knew in this industry other than tighter regulations and most guru's are not worried to much about tighter regulation as it cuts down on their conversion rates to the mentor programs as noted above.

Those are larger windows big enough for a fire fighter to enter with full gear including an air tank and for occupants to exit in case of fire or other major problem.