Use the credit card and pay it in full monthly.

Places like South Euclid or Cleveland Heights that require low to medium rehab but no full rehabs.

I imagine this was a full time job for them?

The project will require full interior completion and some exterior work as well.

I'm a full-time musician and a long-time real estate investor (always done it part time),  I've owned a few student rentals, a duplex, a single family and I've always always rented out my basement wherever I've lived.  

The bathroom, which when I got it was non-functioning, went from a full bath to a 3/4 bath.

I get a snotty return text (at least that's how I read it as you can't really read a time in a text) essentially saying they hadn't received the unemployment check yet for the last two weeks of August and since I wouldn't let them make payments and wanted payment in full . . .  

Im currently about to turn 19 this month, full time student, with about $272 in monthly expenses just from small bills (I recently just made personal budget spreadsheet).

Sean Fisher Most recent deal was 5 year with a balloon, 4.5%, 25 year amortization, full-recourse loan.

That is, negotiate the best deal you can, then put them under contract with the right of entry, right to market, and a contingency such as contingent upon successful 3rd party assignment, then take each property to public auction and flip them for quick lump sum profits.