You must get the real TRW, Transunion, Equifax reports to see the tenant as they are; cash paying consumers with utility & cellphone bills. 

As noted, ALL CASH gets you and the seller to COE as quickly as possible, especially if you opt for AS-IS. 

Decent cap rates (4%-25%)Indiana, Illinois, Tennessee, Georgia, are great Many similarities to Ohio (and Florida), I feel they are hybrids. they got hit hard, they have good cap rates (9%-20%), they hit bottom and will take a while to recover. lots of exit strategies (rent, lease opt, sub to, flip, etc).I could go more into detail on any of these if you'd like?

You can do this up to a four plex with a OO deposit of 3.5% to 5%.If you OO it to get the consumer deposit then as long as you stay a year you can move out and do the same thing with a new building and rent out the old building adding a new property every year.If you did this with good four plexes for 5 years you would have 20 units at the end of 5 years never putting more than 5% down.

You as a consumer, realistically, have no way to directly evaluate most of that list above. 

That property sounds like a nightmare and if i was there i would contact the local consumer reporter  and have this situation put on TV and then the mortgage owner would have to act on it.

If you are in the business of making loans to primary residence consumers YOU, meaning you and your company, will need to be licensed in most, if not all states.  

I work for Chrysler as an electrician and while this job is better all around, for the most part, it consumes much more time than my last job did.

It's not exactly consumer friendly as it's not intended for the general public to see, but you will be able to see what conditions haven't been signed off and be able to make an informed decision either way. 

Most lenders try to squeeze every last dollar, which creates issues for the end consumer.