Lender Advice? Conventional Loan, As-is sale.

[Tracy Cummins]

Anyone have any tips, tricks or helpful comments on how to successfully buy a quasi-hoarder home with a conventional loan to be a primary residence? It's an off-market sale.

Updated less than a minute ago

My questions/concerns are more directly tied to the condition of the home and securing a conventional loan without requiring the Sellers to do repairs/clear everything out before I can close on the loan. Namely, if the clutter will be over-looked by the appraiser, will the loan fail to close if the deck is unsafe, will the loan fail to close if there is water damage that needs repair...etc. I know conventional loans are less strict about condition than an FHA/VA, but more wondering where the tipping point is from a lending perspective to require a reno-loan vs. conventional.

There are a few health/safety issues.  Both Seller and i would prefer if I address them after closing, but I'm wondering if the issues would prevent a conventional loan from being a possibility:

The deck is definitely unsafe and needs to be torn down.There are three moldy ceiling tiles in a storage room that is NOT part of the heated living areaThere is some water damage in one of the basement bedroomsThere is some evidence of some termite damage in one room but appears to be inactive/not extensive.

Does this sound like a conventional loan, as-is sale deal killer?  Any ways to avoid losing the deal?