Unfortunately, last year I went through some pretty hard times that dragged me into credit card debt.

- Min Credit score some lenders have this These are just a few to get you started.

I believe it is a common theme that when a lender advertises 9-12%, 9% is for the highest qualified applicants and 12% is for the people who are just above the minimums to lend on (i.e. beginners with low credit).Usually, the lenders that go down below 10% are national hard-money lenders and will not allow the borrower to put less than 10% of the total cost into the property.

@Aaron KlattI think of buying, I will have to work on my credit.

I have little credit I just started working on it, and I been at my job for less then 6 months. 

In the master agreement there are things like what constitutes a walk off from the job, if something fails city inspection, if work is done incorrectly or with poor craftsmanship, when and how ill pay and so forth.

We owned a 2 bed 1 bath that we purchased in 2006 and shortly after buying it we learned from the city records that the 200 SF bonus room was not a legal addition and the walls were basically poorly mortared cinder block on a concrete floor that was covered up with drywall to make it appear like a finished space.

You might need to get with a credit union or smaller local bank bc to get $70k for repairs will be a huge stretch.  

Maybe, but the family loan isn't recorded or on your credit report, so that should be fine.

Do you have any line of credit you can use?