Although I've considered a future line of credit against the property as my best long term option, I would need to pay down the remaining balance first.

Besides that, I have a credit repair and funding company that helps entrepreneurs get their businesses going.

They could even hire you to do the work on the house and instead of paying you they could just give you a credit at closing.

As for non-bank loans, I'm familiar with a loan program that provides 100% financing, but it requires a minimum 650 credit score and proof of funds covering 12 months of interest.

Thats your bonafides to being able to do future deals.As mentioned above, keep your credit perfect.

, yes Of course, if you look the right ways.

I of course will need to be reimbursed by the HOA for these repairs. 

Have you looked into local credit unions or alternative financing programs?

@Robin Simon I completed a refinance with my credit union at terms of 3/30/75 @6.85% I will have the renwal in 2026 and hoping rates come down a little by then.

@Marc Robinson some may be more adventurous than me but with septic and well I would walk awayI prefer TOH of course but with $300 lot rent and 19 occupied, utilities included in rent I would pay $400-450k for this