This might be the worst post in BP history.

(is there any reviews or history on his business online)The inspector that said 70+ is probably one of those everything needs to be replaced don't risk type, however will probably be the more expensive guy.

House hacking and FHA loans can help qualify for lower down payment loans, while local banks and credit unions offer favorable financing options.

You want a service that provides a full credit report, full criminal, identity verification, etc.Then it would help if you had clear screening criteria.

The difference with good credit is usually FHA is .55% x loan amount/12 -  versus FANNIE PMI .25% x loan amount/12 . 

If it helps, 800 credit score and theoretically could build for cash...but cash is earning more and doesnt want to tie up the liquidity.

I have actually managed to save up enough for multiple down payments around 20% as i have been here for 5+ years and not been able to qualify for credit (due to history length) so i have been pursuing the 20% conventional method initially. 

It's based on your down payment (LTV) and your credit rating. 

That is why you tend to see builders offering such a big "Builders Credit" it’s because it's "Ghost Money" it really doesn’t matter or exist to an extent.A builder can go into an area build 20-30 homes for example, buy the first 2-3 homes paying top dollar so they can set the market sales.

I’ve seen folks inquire a lot about “cost” be exorbitant but it’s not for the world to set the payroll of the persons assistance they are requesting of.On another note, with that good of an LTV and DSCR - if credit is in good shape you should be in the low 7’s todays market.