If the builder's lender is using a conventional loan with no overlays, then the min payment on the credit report will be what's used in the DTI.

Now with that, I would want to go in fha203k loan or simply fha. 

There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

Where I am in Texas if it is a normal loan from normal bank, they step in the day before the sale or morning of the sale and get it resolved and the property never ends up in the sale.If the loan has small balance, or is some kind of private money loan or I would say unsophisticated lender then some chance it goes to sale.

I've heard too many horror stories about people that pay cash for a property because they think they are getting a deal.A moron of an owner could see they could get a much higher price if they just put in the exit signs (etc) and then sold to someone with a bank loan. 

Welcome to A Skeptical Dude’s Take on Real Estate: a frank, hopefully insightful, dive into real estate and financial markets.

I’m buying a primary home and all lenders pushing the 10 year fixed loan (variable after 10 years).

The interest rates and fees on this kind of loan product might be higher.

Read your loan sale agreement.

I am considering as a first time buyer to utilize the BRRRR method on my personal home, while also using a 203K loan to finance and rehab the property.