@Meera Lakhavani ask your lender how sure he is the loan will close, ask your real estate broker how sure she is of the after repair value and appraised AS-IS value and ask your contractor if the 185K includes all the upgrades, finishes, etc that you have in mind.

And a opinion of value from a commercial broker.

So basically if you buy the list put the investment in, or are you using a list broker who will rent the list to you? 

I reached out to my insurance, and they told me that they don't have any companies (they are a broker) that cover animal liablity on a D3 landlord policy. 

I can do the work and try to sell retail,  or(2) Sell as-is, either get a broker and list on the MLS or somehow figure out how to get this wholesaled to an investor. 

The mortage brokers all tell me that having her on the Loan complicates things so I just have the closing attorney put her name on the title.....problem solved

Forced appreciation is great through rehab or tackling mis-management but just regular appreciation is just icing on the cake.  1-4 units is a world with residential agents, lenders, property managers, etc.  5+ units is a different world with different brokers/agents, lenders, etc. 

HOWEVER, you must have ZERO timeline for closing on a house, below expectations for customer service and competency, and definitely do NOT think that they will approve you for mortgage amount even close to the value you could get otherwise. 

Since I am not experienced in real estate, I have dozens of questions about filling out the application and no agent or customer service representatives I can turn to. 

I would have to pay for my broker's and my own MLS fees.