If you can sell at any level above "horrible at it" (really, "not horrible" is all it takes when what you're selling is money...), quit your job and go become a loan officer. 

Obviously without the rider and with the account value dropping to $150,000, she wouldn’t be able to generate this level of income without the rider (hence their fancy marketing name for the rider).Bottom Line: this rider is not likely something you, as the beneficiary, will be able to use.  

Maybe I am old school, I just can't see getting a great deal at my level of knowledge just clicking away.  

However, you won't get to that level simply by buying real estate with 20k down and then sit and hope for the best.

auction.com website hosting bank owned, there seems more possibility to do hard money.as a rule if you're dealing with a county's auction directly even hosted by aucton.com that defaults to county, I would not use a lender (hard money company) regulated  by the state or national level) and i dont think they can fulfill a county auction closing timeline and you lose your deposit.

Beyond that, there are data sources like RealEFlow and others that can give you more property-level information.

How many levels are you taking about?

A lot depends on your comfort level. 

But all depends on your level of risk you are willing to take!

But should something bad happen, you will be happy that you have some level of protection by having it permitted.Downsides of pulling permits: you can open yourself up to more work than you thought.