Like I said, I’ve made a few improvements on the house. 1).

It isn’t enough for landlords to improve the properties bring them back to life and lifting up the area .

On a practical note, my husband and I have started using the Dave Ramsey seven baby steps method for tackling debt.

I know hard money will be faster and more attractive because it is presented as a cash transaction.What is the common practice to show proof of funds when making an offer to a REO property when using a hard money lender?

Always something to consider for future improved cashflow. 

Or if it is common practice to have a more expensive HOA if it is rented out?

This property will eventually appreciate as the rest of the neighborhood continues to improve. 

I've been using the BP Rental Property Calculator to practice analyzing deals, and have come up with an idea of what my desired cash flow and cash-on-cash criteria should be (especially since these categories are well-covered in the webinars).

I basically require validation of strategy and suggestion of improvements or  viable alternative approaches. 

In my response, the last email sent, I listed all the abuses endured and bad business practices.