Also, I thought FHA loans were approved if home would be my primary residence as opposed to 2nd , 3rd etc investment rental which required 20%, no?

As opposed to insurance in which it is the insurance company that pays its lawyers to settle or defend you. 

What was the basis for NY to choose that amount as opposed to $30 or $40.

I do not contact widows for obvious reasons and my approach is to cold call my lead sheet as opposed to direct mail.

I'm not opposed to it, just always had hardwoods to start and either matched or had a space that felt better with a different covering.

I assume you mean one exterior wall, meaning less than 25% of the structure is salvageable--is that right??

Here are my hopefully conservative estimated repairs:New Roof - $8k, Replace all Flooring - $9K, Complete Kitchen Remodel - $10k, Remodel Bathrooms - $8k, Interior Paint - $7k, New AC/Heater - $8k, Exterior Repairs - $1k (it looks good)Total Repair cost is $51KI only have 20K in cash, so I will need to initially purchase it with hard money with an estimated cost of 15k.70 percent rule says at $210K that I should only have about $147K invested in this deal.

@Latisha McAnyPlumbing, HVAC, electric, structure, foundation, interior, exterior.

I just got recently hit with Chicago city violations with exterior violations like window replacements and owner ID sign missing.

Just painting the interior and exterior of the house will exceed that budget.