I will consider all options, including hard money loan, I just need to carry this part the balloon payment so I have a bit more time to get convention arrangements made.My "credit" is good but right now my debt/ income ratio is a little high.

Maybe things are different in OH, but here in FL, a bank will not do a conventional mortgage on a house that is not C.O.ed (Certificate of Occupancy).

I guess we were thinking people who want to own a home would pay a little more if their credit isn't exactly where it needs to be to buy with conventional lending.

The absolute best way to sell yourself is to have good inventory.

If they're negative, you'll eventually run up against the limit of your other income.If you want another evaluation, look at this property with more conventional terms

With a conventional 30yr, 7% loan, you're in the hole $45 a month

This is because conventional lenders won't roll assignments into a loan and only a select few will overlook seasoning requirements with a double close.Oh and, no, there aren't really any simpler ways to wholesale.

She will be a first time homebuyer, so we should be able to go conventional since everything in the house works.

One great way to get good buyers is to have a good inventory.3.

For a conventional loan, the value would almost always be the purchase price.