Just in case.Ultimately whatever correlates with your future plans but a solid way to build long term wealth.

The biggest factor will be how long you plan to own the property or when you think you may refinance.

I plan to live in it and then rent it out in a year. 

@Heather Bailey they will ask you what style of renting you plan to do.  

Hello, due to a hiccup on my personal credit history I am having issues getting approved for traditional financing outside of an FHA which I do not plan to use as I am not going to owner occupy.

I was planning on searching here today to see if I can find any meetups in our area.

I am eyeing up a property I want to buy that costs much more than usual so my plan was to use a hard money loan to purchase, and rehab it with my own money, then sell. 

I’m trying to keep things moving, but this $20K requirement is throwing a wrench in my plans.

For me to build I would want to see recent comps of sales for the finished project you are planning. 

In smaller towns, this is usually a specific individual within the Planning Department.