Too many people who grew up playing Sim City with authoritarian aspirations. 

They can help you get setup once you have a sim card on a unlimited plan.

@Cody L. Im

@Bo Sim.

@ Ciprian L im sure that 215 has been taken into account but it was there 8 mths ago when my score was 705, Im just not sure why my credit score would drop 70 pts with no new dept and have been paying off existing school loans on time.

@Reginald Sims I don't know if I would go the route of saying "partner approval" but maybe say "subject to financing" or "subject to inspection" or something, therefore, the deal is contingent upon those factors.

case in point.. a few years back city of Corvallis required us to do full engineering plans to go along with our prelim plat approval... everywhere else in ORegon you get pre lim plat approval relatively easy then you get a laundry lists of conditions.. sometimes the conditions are such that its not financially feasible to build the subdivision.Well we spent 100k getting all the final engineering done.. went into planning the neighbors were screaming like stuck pigs  ( 40 acres full of mature doug fir timber so it was like their private park.we negotiated to 27 lots  that would have worked... but neighbors wanted 23 .. one in particular did not want a house close to theirs and did not want the trees cut...

@Kheng Lim you don't have to be local to get a Fannie/Freddie loan.

well you don't need to talk to legal or a title company.. sub too deals are done all the time you can simply get the seller to deed you the property.. you can write your own deed and go record it.since there is no equity.. .and if your going to keep it long term... title insurance is not really necessary... just pull a pre lim on it to make sure there is nothing on title that is a deal killer and only the mortgage.. banks can call them.. they will occasionally but its rare.. but it does happen.. really depends on if the seller cherish's their credit / fico... usually I do not recommend this for sellers as its really really risky for them.. and many time those trying to do sub too are under capitalized and or down right crooks.. this one seems manageable though

@Ming Lim - very interested in what youre doing to potentially get the lender to give an appraised value based upon your reno plans .... whoa re you using, or can you inbox me?