I finally pulled the trigger in 2018 (despite having plenty of fears and not knowing everything).

>> Finally, I know we let the tenant off the hook already, but should we have held their deposit?

And finally how will the bank see it for a conventional mortgage.

My final offer was $450.

The better option may be to fire him and pay what work has been completed, then retain another contractor to finalize the project.

The next and final step is closing.

We finally closed on Jan 14th. 

The deed (it was finally recorded this week) was for the duplex I bought south of Huntsville in Decatur.

        - If disputed and applicant sends supporting evidence, perform an "Individualized Assessment" and send a 'final determination letter'

I’m finally at a point where I have a good amount of capital saved up and have done enough research to where I feel comfortable taking my first step towards financial freedom, hoping to eventually escape the rat race, help my parents retire, and set up my family for future success and wealth (I know, how noble of me!).