Thank you so much!

This product is called a "All in One," or AIO loan from CMG Financial.

Hey I know this is a pretty specialized and local topic so hopefully you all have some keyword alerts haha.

If i end up closing, i will call to chat for sure.

Also if the owner does give me the bank that holds the mortgage should I call the bank to see what they would be willing to take to sell the house?

So if the property is $250,000 and it needs $50,000 worth of work, you would need $10,500 as your down payment (technically $10,675 as there would be "contingency reserves" baked into the renovation budget). 

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I would let them know you personally lived there for 30 years and never had a single cockroach, so she probably brought it in with her.

The bathroom was pretty decent, so we were able to just get it professionally cleaned and the house was ready to rent.

@Tim Swierczek thanks so much for the insight.