Hell;  the banks and the US government lie to me at every opportunity.

Ask them to open a credit karma account and print all the pages.

You probably don't know how to price a rehab if you're  a realtor unless you have construction experienceExisting financing is important as far as what the balances are, what the payment is PITI and what kind loan it is, conventional, government-backed FHA, etc.A joint venture with the money partner might be an idea or a hard money lender might be an ideaIf it's a minor rehab I do joint ventures with the seller directly, where I'll give them a note for their equity, a vacant house, then I buy it  subject to the existing financing, and give them a note of their equity.At the time I buy it subject to there's a joint venture agreementI usually use private lender money for the rehab, and you can start going REIA meetings and asking for private lenders and also ask all your friends and family.Here's an exampleHundred thousand dollar house ARV needing 10,000 in rehabIf it's 65% of ARV minus rehab costs that's 55,000 for the sellerWhat seller in their right mind would take 55,000 for a 100k house that needs 10,000 work?

With a decline in home ownership in the millennial generation, we may never reach 70% home ownership again unless the government continues to artificially encourage it by keeping interest rates at all time lows.

In any case, the federal government is going to continue to look for revenue in every nook and cranny of the tax code. 

Do you ever just print ut the information instead of having to listen to it,?

Kinda hard to ban the federal government. 

Areas were 90% or more of my tenants will be on sec 8 and government assistance programs.

get checking out that tax sale stuff i told you about. got to the county court house near you and every city government building near you and ask what they do with tax delinquent houses. you are going to stumble upon a deal, trust me. 

Most GC that undergoes the program knows lead issues on pre 1978 houses, if they are that concerned about their business to get certified, that's a plus.Disclosure: I have the certification, I just find my painting subs with certificate much more reliable than that who doesn't, especially if I am working on government building interior.