In the alternative, you would want some kind of standby credit.

But definitely cost effective given the alternative to jackhammering & tearing out old pipes. 

Active investors like you, who might have a DTI higher than some banks want, should ask to use alternative UW methods like asset depletion. 

May be some alternatives via corporate structures.

I have heard of peoples vehicle being completely buried in the snow by the plow trucks. 

These questions should help you find a reputable lender.Some questions to ask the lenders, these apply to all lenders including Alternative, Hard Money, not just the traditional banksFico: What is their minimum score they accept?

Is there alternative criteria I should be going by since I"m planning on living in it for a year and using FHA.

Westland is the new affordable alternative to Koreatown, it’ll take a bit, but rents are already on the rise.

Oh, and then I had a parking ticket on my truck because I was in court too long. 

Check references, code violations, awards, memberships, presence in the community, cleanliness of trucks and staff, BBB status, Yelp reviews, etc.