Depending on what bank owns it you may have bills for water, sewer, grass cutting, etc. since the house went into foreclosure, maybe a year or two worth of bills. 

It is a possibility that my Mother would at this stage gift me the down payment to take on a second primary residence loan but we are still discussing. 

Had runs and the cut-ins were a complete mess --- basically, they weren't cut-ins. 

Tenant is not present in the rental and has cut off all communication.

If you are the buyer, payment is YOUR responsibility regardless of whether the seller provides the funds to pay your agent or not.With all that said, the real estate agent is providing a service for you that MAY net you more cash in the long run.

Well-insulated walls cut down on noise.

So essentially, if you use that loan product, you wont have to worry about "using up" your low down payment loan quota.

For example, if you want credit scores above 600 but you accept a 580 once, you can never in the future decline someone with a credit score between 580 and 600.The gray areas…I like a credit score above 600, I like my tenants not to have bankruptcyI like my tenants not to have a lot of debt (such that payments impact the Gross = 3X number)I like my tenants to have a history of paying on time Here is a scenario:  Tenant “X” gets past all the instant declines.

Payments are Interest Only, and amounts range from 225,000.00 to 400,000.00. 

While most people thought banks prioritized foreclosing on houses that had not made their mortgage payments in months, banks actually prioritized homes that had a lot of equity.