I am getting mixed answers-Some brokers are telling me I have to wait 6 months,-Some banks are telling me I have to wait a year.I am in Philadelphia, PAAny recommendations, suggestions or lender referrals will be appreciated.Thank You,   conventional financing you will have to wait 6 months per fannie mae.community banks, its depends some will allow you to cash out to 75% of market or up to 90-95% of Cost (they want to you to keep some skin in the game).

It cost me appx $5k to dry wall, carpet and tile the room. 

Lightly mist the bricks on a dry day and it should kill the moss. 

How would conventional lenders see their 'skin in the game' in this situation?

Structural wood can get wet and dry ... get wet and dry ... and get wet and dry many times over ... but first, you have to dry it in a timely manner. 

You are stuck with foreclosure.Put it into a Land Trust before you do anything.Don't allow them to set foot (aside from inspection) on the property without a Land Trust and skin in the game.

@Aly L  There is always more than one way to skin a cat, and has everybody has stated; if it's a hot market, of course a landlord is going to go with the top, immediate person able to move in quickly - I get it!

Continually showing many ways to skin a cat.  

Until I get the skin I put into this  from this house selling, I'm using the time to tweak this out.

While the buyer would ultimately be getting commercial financing, using rent credits will still cause additional work on the appraisal, meaning more money and evaluating the skin in the game.