One pssible workaround might be exploring smaller community banks or credit unions.

I believe up to close to 40% down with a 720 or greater credit score on a conventional loan product could give you the best interest rate. 

. - Your return on equity with this house is terrible. 

They are also the same individuals who are constantly involved in conflict, have terrible loss run histories and therefore higher insurance premiums and are paying far more on legal.

Credit card receivables are much more clear cut.

Credit 700+, bank statements available, good liquidity position (almost enough in cash to purchase the property - but obviously know that's idiotic).  

If the house is listed as-is, there won’t be much room for negotiation (ie. seller concessions/credits), but you can offer a price that factors in the rehab components.

As lenders, well issue a prequal/preapproval letter if we've analyzed your income, assets (bank and brokerage statements to establish that you have the liquidity to afford the down payment, closing costs, and reserves), review credit of the guarantors, review the relevant experience to ensure that we're not throwing our money away on newbies that are wandering around in the dark, and have put together a reasonable plan of attack for the project.

A tax account ensures nothing is accidentally spent elsewhere, and a marketing account makes sure lead generation is always prioritized.From a credit perspective, connecting credit cards to these accounts on autopay helps you manage spending responsibly while playing the credit game.

Credit score. references..