We both are putting 10% of our income towards retirement and using the FSA for Health and Dependent and we are still owing money on taxes.  

The true value of a home should be determined by a proper human appraiser, not a banking, one size fits all approach.

Account ClosedHere's what you need to understand about business entity structures...To get protection from your business entity structure, your entities need to be owned by each other, NOT by any human person.THAT is where the protection comes from - there's nothing "magic" about LLCs, S-Corps or C-Corps.Set up a trust with you as the beneficiary.

@keenan gladd-brownYou've already received spot on advice.Let me emphasize the real time, human to human part of the business.

If the rehab over-runs your allotted, you'll be prepared for it.You're usually always dealing with the who's who of mental health.

It TOOK a little time to build up my business, but now I have a steady influx of leads from human contacts that I have utilized leads from.

I find it to be a health hazard.

And get referrals from agents.You can use bandit signs - We buy HousesYou can develop a marketing campaign with print and PPC on the net and social media.You can drive for dollars.Here are others.Place a newspaper ad (major daily)Place an ad in Pennysaver, Thrifty Nickel, Greensheet, etc.Bandit signsDrive neighborhoods looking for vacant houses and FSBO'sCall FSBO adsSearch MLS for junker propertiesSearch MLS for expired listingsContact landlords who are evicting a tenantContact landlords with properties for rentPre-foreclosuresForeclosure auctionsREO'sHUD & VA housesTax salesEstate salesProperties with outstanding building code violationsProperties with outstanding health code violationsCondemned propertiesFire damaged propertiesOut of area ownersNetwork with professionals, i.e. attorney, CPA, REALTOR®.Network with service people, i.e. letter carrier, pool service person, lawn service person, newspaper delivery person, carpet cleaning people, plumbers, etc.Bird DogsWholesalersMagnetic car signDistribute business cards EVERYWHERECareer attire (Polo shirt with embroidered "I Buy Houses" logo)FliersDoor hangers

This becomes a health and safety issue and can require a 24 hour eviction.

I suspect that people avoid hoarder houses partially because so much is hidden that you really can't know a lot of what you're getting into until it's cleaned out, but also, many of those places are downright hazardous to people's health.