Looking for some advice on financial gymnastics

[Andrew Dunlap]

Recently bought a house to live in with my family. Crappy house in a nice neighborhood type of deal. Did something I have done before and funded the renovations with 0% credit cards of various kinds. Renovated literally everything in the house. Every room was touched every bathroom was destroyed and built up from the studs, brand-new kitchen, everything. I did all of this though under some old experience of doing this in the past. Previously I had done this and refinanced the debt into the loan to bundle all things together for the long term. But back then, some years now, your LTV did not have to be 80% for a cash out refinance. So, being a moron that I am, I did not check into that this time and have found that I could be up a creek if the appraisal does not come back favorably. Now, we will not be underwater by any means, and we could always sell the house if need be, but we would love to stay there as we have done things exactly how we like them. If the appraisal comes back great, then this is a non-issue. If it comes back poorly, then we could be stuck holding some of this debt and having to figure out a way to get rid of it in a different fashion. Do any of you have any creative ideas as to how we could do that? Are there any loan products out there that maybe I have not heard about that would address something like this? Thank you for any help you can provide, my blood pressure also thanks to you!