Using local hard money lenders usually works best.

Ultimately though, it will depend on the lender and the availability of funds (assistance) available for the demographic area that you are purchasing in.Do you have a property that you are looking at?

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

If its not someone you know the lender will dictate the terms.

Do you have a list of recommended lenders?

If she went to buy a house and applied for a mortgage, I think the lender would say the same thing aka you don't qualify until you get this removed from the credit report.

The first lender I worked with had gone into lending because on his first commercial flip we lost over 250k because of a contractor.

Having worked with 1,000's of investors to Broker the properties I sell in my local market, and having worked with dozens of Property Managers, Turnkey Providers, Agents, Property Management Software Companies, Lenders, Inspectors and various other investment real estate vendors to market their products and services on my show, the one thing that stood out to be was the CEO Zach's obsession with the biz.In real estate we've get a lot turnover, a lot of flameout.

FHA is easier to qualify for and allows for higher debt to income.If you have not spoken to your lender already, you should also just look into the HomeStyle Renovation loan.

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?