@Mel Volland The lender would not really be privy to or a part of the seller-financed second position.

I just want to know how you know who a real lender is.

Average cost where we are now is like $5000 for set up, and you may not need a full foundation depending on the manufacturer requirements and what the lender requires.

Your Lender My suggestion to find #2 & #4 would be to go to the top of this page and click on FIND AN AGENT & FIND A LENDER.

Just wanted to get a grasp of what criteria Hard Money Lenders look at when qualifying someone for a loan.

@Joshua B Williams just my .02 but might want to consider the lender situation as well.

So, essentially through the lender I had lined up, they would cover literally 100% of the costs of EVERYTHING, but it was a cheap house with low renovation costs, so the interest payments were not going to be any larger than a typical mortgage payment around here.

Will you have enough equity in a couple of years if rates go down in order to meet the LTV requirements of the new lender?

This is very weird to me since other lenders will work with buyers from  any state.

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