I often walk to the grocery store because I can rarely find parking at our local Publix :(I think I am late to the party, but imo the question I think comes down to asking what does your dream look like?   

Wondering if the damage and late/no pay is worth the cheaper housing?

It all boils down to the finishes and expected construction composition.

I've been hearing as low as 5.00% for floating and up in the 7% range for fixed lately.

Start to finish might not be done in a week but 2 weeks should be easy barring any screwups by landlord.

Ok here is my situation I have credit in the mid to late 6s my gf has the same....

It's a brick 2 flat with a finished garden unit in which I plan on occupying, until this discovery.

They allow you to apply online but the system works poorly at best and you will most likely have to go there to finish the application anyway.

He told me he had a mid 6-figure insurance settlement pending and was eager to get finished with physical rehab and get 'normal'.

I funded in 3 days fyi.. start to finish.. but a known borrower and i am not a bank or lender I am an experienced land developer who happens to also lend money.. so not your typical underwriting scenario.