My name is Kevin; I am a recent college graduate, now working in the health care field, who has just found the amazing resources and tools available here on BiggerPockets and have decided to dive right in!

So our aim is to create a team mentality with the buyers to pursue common vision. 

the old owner is not available because he is either in a senior house with old age or mental problems or probably dead by now as far as i learnt on that part , thanks for your help 

You can set up your own retirement plan in your S-Corp, arrange for your own health benefits, ...The education I'm connected to has a two-day tax and legal class (2 days because it's so important and so detailed).

Hey Sophie,A regular bank won't lend more than 80% LTV so your 30k can buy you a 150k house and your 100k credit gives you lots of room to spend.I'd try to use the mentality of "buy like a wholesaler" and find some places in that 150k range that you can bump up over 200k.

I believe what makes a person a hoarder is a mental issue that prevents them from letting go despite the impact it has on their lives, which makes it difficult to even sell their house.

Employer rates for health insurance ?

You have to understand the mentality of the people and the system that keeps them renters .

My Mom believed I wasn't mentally slow, just struggled to read quickly and believed I could overcome this with extra help.

Might have to go reno financing, or hard money, until it's all up to code and has no health or safety issues.