@Sonja Revells , after reviewing the agreement you uploaded, I realized it could be a bit tough to fight for your EMD due to these sketchy clauses.

Networking through meetups and leveraging online communities like BiggerPockets can provide invaluable support and insights as you take your first steps.Good luck!

I as a lender as part of settlement had our servicer unwind some negative reporting.As a sidenote I saw a post online somewhere else where someone who had an owner occupied home for several years relocated for work and teh servicer sent a letter telling them they are not in compliance with their loan because it must be owner occupied for the entirety of the loan even though the loan docs say one year....Again, servicer overstepping their bounds

when I used a capital gains calculator online, if I put zero money down and put the 2 loans, the cap gains is a lot lower than if I just recorded 1 loan and entered the money from the downpayment loan under cash.

However, when I reviewed the property information on the PVA website, the records indicate it is a 3-bedroom, 2-bathroom property, excluding the 2 bedrooms and 1 bathroom located downstairs.

As others advised, get a structural engineer in there to review the conditions.

Today I would probably figure out to make money online with AI, that's an opportunity that did not exist in this form.

@Dominic Holt , I am happy to review your scenario and suggest changes that could improve your property.

I emphasize the importance of utilizing professional photos, videos, and online presence to enhance property visibility.

It is likely the number one reason for reviews that are not 5 stars.