Tyson Hosey From your post, I am presuming you are seeking, financing on a Commercial Property.

He's getting the property for the agreed-upon price and presumably, he knows it's a wholesale deal.

(a) When the appraiser calls you to schedule it, you can say you are busy until a week or two in the future when (presumably) the repairs are done.

I would presume that everything you can't see is junk. 

Sometimes they're very grateful for you being there and turning a presumable dump into something beautiful but others, such as your case, do not like the new gentrification change.

I presume stated 18 mon timeline it's probably a flip.Assuming that, you are prioritizing speed, control, convenience, and access to capital, with exceptionally strong cashflow individually.

You folks are presumably able to add value to a deal, and operate honestly and (I assume) legally.

I guess any points you would pay would be lesser dollar amounts as well.Less money out of pocket than on a higher price as well presumably for home owners insurance premiums, RE taxes, and transfer taxes but that would be the case with or without a loan.Things like an appraisal, credit report, flood cert, pest report, doc prep fee, FedEx fee, title report, plot plan, recording fees etc. will all be more or less the same for any size loan.

Even in this case you still have to have 30k for downpayment and closing cost (presuming you do FHA). 

You have a HELOC on what I presume is your primary residence.