Despite numerous requests this was never done.I have filed a complaint with the department of commerce against1.

You'd be better going with less interest and points and putting money toward down payment.There are numerous HML's out there that will do 80 or 90% of the purchase price and 100% of the rehab and not require 3K up front.

There are numerous banks that do a cash out refi after 6 months.

@Alex Peralta NE Ohio has numerous properties in this price range. 

We are reading  as much as we can, on bigger pockets, and numerous  books.

I've talked to numerous people who want to try something similar.  

Some people preach submitting numerous offers sight unseen with a contingency clause based on inspections.  

Wholesalers in Pennsylvania already deal with numerous legal and practical challenges for a relatively small amount of profit.

Agreed give them a chance to own, since there payments will be lower once they qualify, also there are numerous reasons why credit falls and at time not of our own fault such as credit repair scams, but yes they do have to start doing credit counseling to manage long term

As far as crime, you're in the Chicago area which has more killings a day than a horror movie.