As strange as it may sound and as wonderful as it will ultimately be it may be a tough adjustment for her into early retirement after the routine of putting in 60 hr/week for years ... be prepared for that and support her through the transition, which I'm sure you will.

For holds in Cuyahoga County you will have to put 25% down or try to go the conventional route, but tough without W2.

My market around me seems tough, I am just north of Philadelphia.

I know it's tough because the market is so competitive, but that's the nature of the beast right now.

Just today I met an elderly lady who has a tough situation. 

I could find rent ready properties under $50k all day long here in 2014, but now its tough to find anything under $70k that is rent ready.  

That's going to be tough, Howard.

The amateurs tend to look for the path of least resistance when things get tough and get fleeced investing in "cheap" markets they have absolutely no clue about.

After a couple days of this information marinating in my head I walked into the living room where my husband fell asleep after a very hard and hot day (he works as an HVAC tech in AZ) I woke him up and said to him "you have showed me that I can trust in you and when you promise you keep that promise, you are a hard worker and you have gotten us this far, so yes I will walk next to you no matter how hard it gets".

It's tough to say if this is truly an ok deal though.