Hi @Aaron Frances,Cash out refinance "loan level pricing adjustments" by FICO score and LTV, from fanniemae.com:

I know that seems wild and vague, but just roll with it for discussion's sake (he's built an incredible network I've never seen before).

I know that seems wild and vague, but just roll with it for discussion's sake (he's built an incredible network I've never seen before).

Hi Aaron,Let me see if I can help with some of your questions:1-The fall and winter is the best time less competition and sellers willing to lower price if on market to long.2-The credit score is dependent on the loan type you are applying for Conventional 620 & above with income to debt ratio 28%/ 36%, FHA 590 & above income to debt ratio 28%/ 41%.

This landlord seems incredibly unprofessional, you can't demand $100 for this, how about they start with a $3 magic scrubber to get it out?    

Are we biting off more than we can chew too soon or have we stumbled upon an incredible deal?!

Yes, to my way of thinking, you scored big.  

You have to decide what your minimum credit score is and stick to it.  

Definitely no evictions, ability to provide proof of income 3x the rent, 600+ score, as few items to check.

I think being in NYC, if you can buy the lot for cheap and have the connects to build a home, there is incredible value there.