Hit a wall with financing methods, advice?

[Kyle Kreider]

I'm looking to purchase a foreclosed home with needs for repairs less than 5,000.. have not had an inspector overview the home so just from what I've seen.. Really interested in getting advice which route should I take this? Hard money, Rehab, Refinance... or 203k? Any input on either method?

Little about the house its priced right now for 135k but has been on the market for almost six months, my agent suggest we start at 120k and see how the bank will take it. Neighborhood has similar comps 145-155k.. 125k is about the most I would like to purchase the home for. Home has holes from vandalism in every room, some appear to be from a hammer and some are very large. The backdoor would need to be replaced and a little rotten wood at the bottom of the door frame. Anyway nothing major from what i know without an inspector also the house is just about 10 years old... Any advice or stories of creative financing would be appreciated thank you all!