@Brandon Croucier is giving you solid info on finding an experienced and honest mortgage broker who can shop your exact scenario both ways, with the rehab and without and break down the benefits of each with all fees so you can see an apples to apples comparison. 

Spent too much of my own time trying to save money.

He's on facebook and has a website for contact info.

For example is a personal loan from a bank is 7.5 % that you could use as a down payment (after its seasoned), and your 401k loan is 4.5% but the 401k is expected to return 7.5% per year the money you save on one end you miss out on the other end basically and if your 401k returns are 20%, then you lose out significantly. 2.

As a one-stop shop for mortgages, real estate, and property management, we save our clients money and time by providing a seamless experience.

But it’s also saving me taxes. :-))But yes, I could take a $200k or $300k tax free loan every year on the appreciation if I couldn’t manage to make ends meet at $20k/mo.

I do have an LLC with good credit, so I’m wondering:Would it be worth pursuing a business loan to save on HML interest rates and fees?

Some facts/info you may already know but if not:1) You assume the loan from the servicing bank, meaning you will work directly with the servicing bank.You assume the loan amount, but still need to come up with the difference of the VA loan amount and the sales price, in your case 172K. 2) No one will finance the entire remaining 172K amount.

I'd like some info too please

The license doesn't cost more, the service and quality does.And a note on that cost, in my experience hiring contractors, only a small percentage of the cost savings was due to finding the right guy who is willing to work for less.