I'm going to take your advice and call some local lenders and see what they think.Thanks all.

They are called Bridge Loans. 

Solar Tubes, actually that's a trademarked name and specific type of "sun tunnel/tube," but yes, even I call them that ... they are meant to be installed in an attic space! 

there is literally no way this would only cost 16-20k to fix LOL. wishful thinking. i would call this a full gut based on the pics and use $65/sqft for guts (even that is sometimes not enough but it's a place to start). so if this property is 1,000 square feet, we're looking at a $65,000 reno give or take. what did your contractor say it would cost?

I'm going to log my time and save all phone call records, email etc.The fact is I spent over 6 hours /day recently.

(Some of our borrowers call us their investors even though I call us their lender.)

@Stephen Bruce Like some of the others here have suggested, call your closing attorney Monday morning and ask them about an estoppel certification/letter.

I would call a local Realtor (maybe the one that got you the house?)

But a year later I got a call.

If you have properties, make me your first call.