I've heard the Short-Term Mortgage Shop can help with that.

Lenders will want to see 6 months to a years worth of mortgage payments in reserves after closing.

On a $1m mortgage, 6% is a $5995 P&I payment.

I google free mortgage calculator to see what my payments will be.

I am a local loan officer that works for a mortgage brokerage in Chandler also, let me know if you have any other questions. 

Then, refinance with a traditional mortgage.

If you are working with a solid mortgage pro, they will definitely not play that game and would rather work with someone more serious.

That was the ONLY way I could have survived back in the days of 18% interest rates.I bought homes using seller financing & had to rent every room to make the mortgage payment, cover the rehab & we split the utilities.

Do you know they are carrying a mortgage?

In March 2022, my dad passed away and I became administrator of his estate which included his home which was purchased in 2003 and had a 30 year mortgage balance of around $70K.