Peter- without actually calling the Syracuse city finance department it would be difficult to know exactly what the sellers star credit is.

If you look at the first picture there is a Vacancy & Credit Allowance just under the Total Gross Income and I've accounted for a 10% loss.

Form 3115 allows you to catch up on all the depreciation you've missed and the IRS has 30 days to credit your taxpayer account after they receive it. 

My credit union union offers a 100% LTV home equity loan product (not HELOC) at 6.99% but it it is only a 10 year amort. 

I have excellent credit, 10K in cash saved and $0 in debt.

I ran a credit check and they have good credit.

Your ability to avoid sinking too much of your capital into Dead Equity by obtaining mortgage loans...without a job, will be key.Now, if you're one of those who are listening to 1994 Carlton Sheets cassettes, with no money in the bank, bad credit, living with mom and dad, but just a desire to purchase, then stop wasting your time and concentrate on finding a job.

With this income, I have finally balanced my credit card situation.

- Does the IRA provider have the capability to handle my IRA if it wants to extend a line of  credit?

Will the co-signers credit score have any effect on the interest rate of the loan?