You should be able to refinance 6 months after you bought the property.While HUD homes do sell at some discount, the foreclosure market is very dry in some areas.

Because heat rises (so they're efficient) and they don't dry the heat out too much.

It is a one page contract that is pretty cut and dry.

Not allowing wet over dry renovations is very common.

I contract roofing ,due primarily to my age, and dry wall mudding which takes me too long to do economically myself.I do pretty much everything else myself on full gut renos.

Roof is fairly recent, no signs of leaks anywhere, basement is dry.

And the market is almost completely dry right now.

Paint, ants, dry rot, furnace and a/c, replacing glass in windows.

In my case the house had great hardwoods under carpet which all had lots and lots of pee especially one room, but we pulled up all the carpet, saturated with an ozone remover, let dry, did it again, sanded the floors until the smell was gone, refinished, cleaned the vents, cleaned the base boards or replaced, and smell was finally gone. 

You can't paint until the sheetrock is up and the mud is dry.