I’m looking forward to hearing everyone’s thoughts and advice.Best,Kevin In Pittsburgh at least FHA isn't necessarily a problem, but you can't be super aggressive about you offer price with most sellers unless you're the only one interested/offering. 203k is tough to get accepted, but a typical FHA isn't the worst. 

I know of one particular loan program in Columbus (I'd need to see if they service Dayton) that offers 0% down for owner-occupants.

Reason: I signed a new job offer at a nonprofit yesterday and having extensive knowledge of the real-estate market in Philly would be very helpful.

On the other hand, a detailed quote with a higher total may offer more transparency and reduce the risk of surprises as the project progresses.I specialize in consulting services for situations like this, where I help clients evaluate contractor quotes, ensure transparency, and navigate the renovation process with confidence.

Hi Kristi,There are a few ways to go about it, but I would connect with a lender to find of what they can offer.

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

So I'm always able to offer a lower rates and fees and still make a decent living.

Did you use standard offer contract for your jurisdiction? 

Is any bank offering a HELOC based on the combined equity?

While it does offer stability in rental income, there can also be frustrations, especially around dealing with inspections and bureaucracy.