Can a massive heart attack cause that type of bleeding?

“The Journey is as important as the destination” Keep in mind that real estate is a process that typically does not produce immediate cause and effect outcomes like many things in life.

Im just afraid of getting stuck with closing costs cause im going in with close to no money.

So any liens in the current mortgage holders name is what your concerned with.

Most of this so called "mold" is mildew.If this mildew is caused by her lack of house keeping.

If this is the case, hard money lenders are less concerned with factors like tradelines, credit scores, DTI, etc., and you should be able to find a home with someone in this niche.

Gottadoadealitis is a very bad brain fever that causes smart people to take thousands of their hard earned dollars and promptly flush them down the toilet.

As far as I am concerned whoever bought this house 10 months ago only put about $3,000.00 into it.

All of the difficulties that I had were caused by mismanagement by the managers I was using.

Since you are concerned about closing costs, you could consider not buying down the rate and thus reducing the costs to close.Another consideration is leveraging more and not putting as large of a downpayment. $212,000 loan @80%30 year fixed, fully amortizing using our Paper Saver process - like stated income but no charge for it6.375% would cost you 1.00% discount point - 6.532% APR$819.80 total lender feesIf you consider an 80/5/15 - where you put 15% down instead of 20%$212,000 loan @80%30 year fixed, fully amortizing6.375% would cost you 1.00% discount point - 6.532%APR$819.80 total lender fees2nd lien of $13,2508.375% would cost you 1.00% discount point ($132.50) 8.513%APRno extra lender fees on the second.So you save $13,250 and have an additional monthly payment on that second of $100.71 per month which means you break even in almost 11 years.