Best Way to Finance House and Rehab?

[Rusty Pollard]

Hello everyone, I've got a house with a walkout basement apartment under contract with a wholesaler and scheduled to close next week. I have it locked in for $245k, the rehab will be around $30k, and ARV should be north of $315k. we're planning to occupy upstairs and rent downstairs. Downstairs should cover most of the mortgage as it should rent for around $1000. I have seller financing lined up for the first 8 months, and I am planning to refinance as soon as the rehab is finished to capture the increased value and reduce my cash outlay. The complicated part is when we move into this place I will be leaving my comfy W-2 job and going to a new job with a much smaller salary but good potential for commission. Will this make my refinance harder since I just changed jobs and an making less money (salary)? Am I overlooking any creative options as far as this situation goes? I thought 203k may be an option, but I was steered away from it while talking to my mortgage broker. Thanks for your input!