It gets folded in with a bunch of "Fannie - No Overlay" deals that include marginal credit, heavily leveraged real estate investors, down payment assistance, DTI that barely works, et cetera.

Sandra-great tips!

I am looking at a 46 unit deal &  would love to know your strategy used to get seller to write you a check for a repair credit of 21k.

That's why it's best to get seller credit for closing.

The credit score and histories are solid, Also the judgement amount is zero for the that case.

They want bank statements, credit checks...it's ridiculous.  

I have a good credit score and equity on my current house so expect a better rate from lender3.

If that does not work, a Hard Money Lender (HML) or credit cards would be another option.  

I will admit it – I was hungry- I wanted more but I didn’t have the skills or experience to do it on my own, I didn’t want another job - I was sacred –  I was sold on all the propaganda about real estate riches and continued to search for that magic formula.That was over 40 years ago - as I think back about all those programs - I realized that my intuition, creativity, imagination or the pure synergism of all that information enable me to create hybrid formulas of my own – formulas that helped me avoid conventional financing, credit approvals, cash down payments, real estate agents, gate keeps and those others who wanted to delay my progress of making money in real estate.

A code violation requires disclosure and seller credits to mend when selling with a realtor correct?