@Vincent Lo About another 9 hours. 

Ask you LO what is their requirement. 

In that case you still have to pay off debts if that will be recommended by your LO.

Latisha Douglas I would recommend reaching out to a local LO to discuss whatever recommendation/strategy that you can map out.

I offer with a letter of intent and offer 3 scenarios - cash, SF at a higher price, LO at an even higher price. 

As far as the Lease/Option solution is concerned, I could address all of the issues here, but it isn't needed...because the whole L/O option stops before it gets started. 

If you need the name of a good Movement LO, let me know.  

Which in my opinion, if the law was really put into place to protect consumers, LO's & RTO's are a lot worse financial option for consumers looking to purchase homes.The dumbest thing to me is its fine to charge them RENT for the rest of their lives, they'll never own anything, have very little rights, and you can raise the rent every time the lease is up... but if you want to help them actually BUY a home, they have to be protected.

I've never done or seen (ie, when someone buying/refinancing owns another property with an FHA loan that another LO/company did) a recently originated FHA loan without escrows.

However, I was wondering if it would be possible to have a "damaged house" that I could LO to a flipper/rehabber.Would that work?