Now, it seems a little steep but understanding that they can be bought out in 5 years with my company having the right to purchase first is perfectly fine to get this deal under way IMHO.My question is as follows, the individual lending the money is going through a company that I will leave off of this post for privacy reasons but I want to ensure that I am not about to work with a group of individuals who might not have the proper funding in place.

These are much newer buildings and everything is perfect in them with no renovations or repairs necessary.  

Several nice towns in the Greater Lowell area, but you will pay a lot more for a similar place and only get marginally more rent, but your appreciation potential is much greater and your tenants will be higher quality generally (Though my Lowell ones have pretty much all been perfectly fine sans one sh*t stain early on).If that is your area of focus there are some meetings up that way.  

Everything is perfect as far as email and password being case sensitive. 

These methods ensure that you're never paying if you're not getting value (or that you can immediately stop paying should you stop getting value), and in my book, that's a perfectly reasonable method of charging for any service.The analogy I like to use is, "Would you consider it reasonable for a restaurant to charge upfront for 10 meals before you've had an opportunity to try the food."  

Sounds like perfect timing!

Your picture now is perfect!

If say the last two years are perfectly clean as far as charge offs I would focus all my money and effort on making sure I have a positive history going forward(your secure cards, cd secure loans, savings secured loans etc).  

Perfect timing! 

I've never heard that it is illegal to advertise wholesale deals online...IF you are a realtor then your local MLS and your state will have specific rules and laws about what disclosures you must make to sellers as well as buyers, but it is still perfectly legal as far as I know.