So contact everyone :)One of my recommendations would be to contact the source who would review the work at the City of Chicago.

Of the scenarios you list only 1 and 3 make sense to review. 

I'm sure most taxpayers can find a way to justify this and it's probably near impossible for the IRS to determine if every single taxpayer who takes a retirement distribution was adversely affected by COVID19..... nonetheless, something to keep in mind in case your distribution is reviewed.

I will take a look or review how I am coming across to people next time.

Its a small loan, so I'd imagine fees are high but...My apologies, I just reviewed with the lender and the major fees are:$2,850 origination charges$1,100 underwriting fee$1,949 transfer taxes$2,310 property taxes and homeowners insurance$900 homeowners insurance premiumTotal Loan Costs (A+B+C): $6,220Total Other Costs (E+F+G+H): $6,169My FICO is 714

There is nothing wrong with low down payments, but in those situations it is imperative to consider other metrics more heavily than cash on cash.

Consider going back to book ‘Rental Property Investing’ and review the chapter on the Application Process.

When reviewing Toledo properties you will discover that the Toledo market is different from all others, not to mention, extremely low purchase prices on fixer uppers as compared to their retail value, Toledo is full of promises.

You may want to sit with an attorney to review it before your first use of it.Yes.

I'm curious, what metrics would you offer to validate that a market is over bought?