Looking for HML or Private Lender to help close house hack

[Isaac Passmore]

Situation:

I am currently under contract for a great deal on a property in Prince George's county Maryland and quickly coming up on the closing date. However, the deal went sideways and I am in need of creative financing. Basically, the seller wishes to back out of the deal due to price reasons and will not let my traditional lender get an appraisal. Furthermore, this same house was appraised by the same appraisal company last year and noted that there was an illegal stove and microwave inside the ADU on the property. This likely prevented the sale last summer and because that stove still exists in the ADU today would prevent sales through traditional financing. I have confirmed this with my lender and they would not be able to lend due to failing the appraisal. There is also no way that the seller would remove the stove as they no longer wish to sell to us due to pricing...

To make this deal work my wife and I are planning to house hack the property and leverage primary residency to obtain more favorable long term financing and support a long term rental.

I spoke with a hard money lender today and was told that most commercial hard money lenders that work with flippers would be unable to support financing a personal residence purchase because regulations are different.

Looking for:

We're looking for a hard money lender or private lender that can help us finance a personal residence purchase for a house hack that closes on April 30th. My wife and I were prepared and approved to put 30% down and had a budget set aside for all our repairs. We just need someone to help us get into the deal so we can remove the stove and microwave ourselves and refinance this into a traditional loan. 

[Isaac Passmore]

Quote from @Ko Kashiwagi:

Hi Isaac,

Are you moving into the house during the rehab/renovation? Some lenders will lend on it as long as you don't occupy the property at all during term of the loan

I believe I have found a lender to help me with this specific situation. But my situation allows me to be flexible. Ideally, I would move in and begin the house hacking process, however, I can continue to occupy my current residence while I perform the necessary repairs from a far.