@Brenden Harrision, How familiar are you with the whole buying process and the purchase agreement?

The entire process can run from $5k-$100k in severe situations (I've only witnessed one such repair cost that high).

I recently sat in a seminar for "success path " in New Jersey , and it seemed very skeptical... has anyone gone through there process successfully?

I like the aspect of the traditional route because I get to learn more about the process and interact more with clients (as far as helping find homes). 

I operate as an agent in a relatively expensive area in CT and this is a common question I get a lot from people as they start the process of buying a house hack.My clients who have had the most success have identified areas they felt comfortable living FIRST and then found a property that fit their budget.  

They are all either on the market and/or in the process of foreclosure.

Titles get transferred between banks and servicers during the foreclosure process, just after, etc. all the time.....no biggie.  

If you can talk to someone there regarding the process of obtaining title, it would help. 

Very little post processing needed when you get the lighting right and I have great photos.

The problem is that I'm running into issues with the refi process due to my debt to income ratio.I have a W2 job that pays well, but I also own a business which had some pretty steep losses in 2015 which flowed through to my personal tax return, and smaller losses in 2016.