- Min Credit score some lenders have this These are just a few to get you started.

I believe it is a common theme that when a lender advertises 9-12%, 9% is for the highest qualified applicants and 12% is for the people who are just above the minimums to lend on (i.e. beginners with low credit).Usually, the lenders that go down below 10% are national hard-money lenders and will not allow the borrower to put less than 10% of the total cost into the property.

@Aaron KlattI think of buying, I will have to work on my credit.

I have little credit I just started working on it, and I been at my job for less then 6 months. 

You might need to get with a credit union or smaller local bank bc to get $70k for repairs will be a huge stretch.  

Maybe, but the family loan isn't recorded or on your credit report, so that should be fine.

Do you have any line of credit you can use?

I am now asking for a background and credit check.

Hello everyone,I received this message from the mortgage company I am using this morning: “One thing that I was told is that the interest rate would be around 7.875% with 1.25 discount points.”The interest rate seems high seeing my credit is over 700.

@Cassidy Burns, Personal Capital is a website that allows you to import account balances (banks accounts, investment accounts, credit cards, mortgages, etc.).