Working on getting approved with a commercial lender at the moment. 

They were written by BiggerPockets and approved by attorneys for your specific state.

They could sign up for Obligo and, once approved, get their traditional deposit refunded.

So first we are approved for the line of credit and underwriting for that, then each property loan application goes through an underwriting process similar to a hard money loan experience. 

Like @Ricardo L Knight suggested you should get pre-approved for a mortgage loan.

I wasn't sure if I was suppose to run the numbers as if I wasn't living in the unit.I was pre-approved for a mortgage through Veteran's United about two years ago.

So if you have final judgment which the Magistrate has approved then figure another 3-4 months to have the Sheriff's sale scheduled. 

My background - Pre-approved for $900,000 for a 4 family, 800,000 for a 3 family, 700,000 for a 2 family.  

I know I have heard someone say before that they get an offer accepted and have a contract, then they will go and install a water heater or whatever is needed with there own money so then they are able to get the loan approved.

I am already pre approved for a loan and I am looking to get a good deal.