I would find out what the outstanding issues are. 

Just google FICO odds chart for more...With regard to the elements that contribute to the score, the Equifax reports provide their 4 primary factors for developing each score, such as: number of delinquent accounts; time since delinquency too recent or unknown; outstanding balances to credit limits is too high; serious delinquencies or collections on accounts; etc.

Jacksonville is the biggest city (area wise) nation wide.  

All payments made by Tenant to Landlordafter the tenancy commences, no matter how designated by Tenant, will beapplied as follows: first, to any outstanding amounts due for damages/repairs,utilities etc.; second, to any outstanding service charges and fees from priormonths; third, to any rent outstanding from prior months; fourth, to anyservice charges or fees due in the current month; and lastly to the currentmonth’s rent."

@Casey Richards, in case the people you are talking to at the moment couldn't help,reach out to me i can point you to a Nationwide direct Lender that get your deal done.Best of luck.

I have researched the best methods to approach this, and I do not have an outstanding amount of funds lying around, so I am seeking a hard money lender.

The before and afters are outstanding!!!

This could include checking the current market value of similar properties in the area and verifying any liens or other outstanding debts.In terms of the seller's asking price, it may be possible to negotiate a lower price based on the back taxes owed and the fact that the seller only wants to sell two acres.

I have the same provider (Nationwide) for our two properties and wanted to use them for our third.However, since we had 3 claims in the past 3-5 years (two different properties -- minor leaks) my insurance provider said our newest property would not be eligible for them to provide insurance.I don't know what to do; if anyone has any tips/suggestions please let me know.

Although there are some great nationwide lenders, I've found the local places where you can go and talk to a person face-to-face have always benefited my wife and I when it comes to getting financing on our properties.