Most investment loans are 70% LTV, so even if you could finance it based on appraisal rather than purchase, you could only borrow $94,500K against it meaning that you'd still need to bring $19,500 to the table (plus closing costs).I don't know anything about Texas lien law, but if it is a lien theory state, you should have the option of an all-inclusive trust deed, sometimes called a wrap-around mortgage.

The following are some methods I've used in the San Antonio market, and while they are not all-inclusive and work to varying degrees, hopefully some of the following information will be helpful to some.

This is why we don't set a credit score cutoff, credit history is a more inclusive term that doesn't bind us to act a particular way in this type of situation.

I have my own leases but Bigger Pockets leases are very inclusive and easy to use.

This isn't inclusive but should give you a good start.

I was debating between the speciial pkg or the all inclusive normal pkg.

This seems to be a very inclusive community, where knowledge is shared openly!

In the category of Seller Financing, there is something called an "All Inclusive Trust Deed".

Next roommate just raise the rent to cover the utilites and make it all inclusive . 

I'm guessing someone is advertising to you some "ROI" inclusive of supposed appreciation and all that jazz...don't trust those.I bought all my turnkeys in Atlanta and still have connections there, but honestly as much as the prices have gone up there, you're just as well off going through an agent.