You obviously have more insight to share than you give yourself credit for!

I'm looking for a bank or credit union that does 90 LTV or higher fixed rate home equity loan for my primary in San Jose, ca.  

I signed up and got the ball rolling.Come to find out this insurance agency cancelled the landlord policy because I did not bundle car insurance with them and my credit history came into play.  

@Kim Younkin - It would need to be a closing cost credit because the buyer is not the one paying th commission, so there is nothing to reduce. 

If you have enough equity in a property you can open up a credit line backed by that property.

I mean how much of this information can be applied to the UK market?

As you can imagine, leaving a marriage normally comes with (or causes) bad credit!

Ultimately, it depends on your credit score/history and your investment situation.

Im 25 now, pinching pennies and paying off debt to reduce my DTI ratio and increase my credit score.

A third option could be to ask to lower the price/for a credit due to the repair $ and vacancy cost that i would potentially now immediately incur.Thanks for all your help!!