Is replacing the HVAC with a completely different unit the best solution?

But what about using a different way?

Split the difference, 57,500.

The house had the utilities turned off for the 6 years, and was filled with the original 1 owner's furniture, clothes, appliances, car and ecn food in the frig (without elctric on for 6 years). 

The thread addresses a different topic, the Real Estate Professional status, but the same principle applies to the hours in both contexts.

These loans do come from banks directly (Fannie/Freddie loans come from the Federal Government) so each bank that offers these types of mortgages might have slightly different requirements. 

Would you be able to help if we're in different states (I'm in CA)?  

The great thing about BP there are different people with different perspectives and experiences.  

It’s a start, but will it be enough to truly make a difference?

How long it takes to be financially ready is different for everyone.