Closing cost help needed

[James Cress]

I am currently in the process of buying a single family home as well as a multi family home. I am shy of the closing costs by about 4,000.00. After collecting everything possible to pay these i have now hit a brick wall. Are there any organizations that help pay closing costs without creating more debt or increasing DTI? Thanks for any suggestions.

[Caroline Gerardo]

Sell something, get receipts/checks to show it.

Stall one purchase/extend to get the cash together.

Ask sellers on both or realtors on both deals to kick in $1500 and find the rest.

Put insurance, inspections on credit card and get the closing cost down thus showing as a credit

Change to no impounds

Ask insurance agent to make the deductable $5000 or $10000 and after you close change it back to higher bill

Your lender is lazy, get them tweaking the numbers to keep DTI down. There is some money to juggle there.

There is no organization I know of that helps investors with costs.

Go fund me, stand on the corner with a cup, ask family for gift, sell that fancy mountain bike, the drawer of old phones, ask escrow/attorney for $100 discount and roll both notary services into one deal (save $200), get someone else to put one of the bills like inspector on their credit card, ask seller to credit some rents, you are very close, there is a way, tax refund coming get an advance on it somewhere