My husband is self employed and this month my credit card was 12k which is double last months, but it is a Chase card and we’ve paid it off every month since we have had it. 18k.

My opinion is someone with a low net worth and good morals can take it in their personal name without issue and most banks require it.

On the bright side it allows for every manufacture to make them similar and to the same standards so there shouldnt be anyone low balling you with a hack house.  

I've seen as low as $25K but those are usually done by first timers.

The house could be a wreck and the price is low, but the repairs are high.

If the pipes weren't properly winterized, water sitting in any low spots can freeze and burst. 

He's asking $465,000 total but I'm pretty confident he will agree to $375,000 if I take them all (this is rural OH, so very low home prices).Seller is willing to do very favorable financing with a 7.5 percent down payment.  

Not great quality though, low follow through.

I have no idea where this property is (based on price and there is an HOA, I'd guess a low end... condo?

They are considerably low at $308.