I will give a bit more information and maybe I can get a clearer direction:Strategies I am debating are the following: Buy small lot and have a local contractor build a 3ba/2ba basic/value house so I can resell.Buy a manufactured home, place it on a lot, then re-list it.Rentals, but it is difficult to find any house less than 120k in my area that isn't slums.

Most of the time its difficult but you have to do your research.

So after the refinance my credIt card balance wIll go from $45,000 to $11,250.

I was residential loan officer/mortgage broker from 2000 to 2008 and a Realtor since 1993.  2008 and the next few years were difficult times to be in real estate finance so I jumped to bank owned sales during this time, so I have both perspectives.Both as an LO/mortgage broker and real estate agent I would regularly have banks/lenders ask for a comp-based appraisal and a rental survey on 2-4 units properties; which is Fannie Mae Form 1025/Freddie Mac Form 72. 

It's difficult to prevent such sites from web crawling data that is considered public record. 

I am taking it over for loan balance of $282,494.93.Has a renter in there that is month to month paying $1800.00 the mortgage is $1850.00What would you do with this???

Note balance on only remaining property is now $100k.

I currently own 14 units and am under contract for another 4, so it's been getting a tad more difficult to acquire more properties.

Unless it's extremely clear-cut that they were paid for work but did not do it at all, figuring damages is difficult.  

The seller may argue that he wants interest - tell him "it's in there", he can report to IRS any interest he wants - but that's your offer, you are offering more for that benefit - so it should balance.