Odd home layout for flip

[Kyle B.]

I'm in talks to purchase a bi-level home where the kitchen is located on the lower level of the home - so partially below grade. I realize there is a large geographic component to my situation, but has anyone had success or experience flipping a home with this layout.

My realtor said lenders require a functional, above-grade kitchen and bathroom to provide a mortgage, so this may be a tricky situation given the kitchen is on the lower portion of the bi-level, and at the very least it will decrease ARV compared to a traditional layout. She is going to talk to some lenders she uses to get more clarity on the situation, but in the meantime I thought I'd check with BP for some advice.

Thanks!