Hey Matt,You can definitely ask the sellers for credit back to complete this repair.

Typically big banks and credit unions are captive to a single PMI provider, mortgage brokerages and banks can shop it among mortgage insurance providers.

These 6 months I was working with my developers to "create" a site (system) that, once published, would be considered creditable. 

Credit is good but I’m not sure which mortgage company will do the refinance.

Yet, after listening to you it almost seems like we should be searching out other deals and getting money from private people as early as possible.Much like you I have a little experience in construction from my college days (working for a contractor on my days off from school and over summers but I'm not a craftsmen), so there is a small advantage there, but ultimately it sounds like if I want to get to that "freedom number" faster, or at least earlier, I'm going to have to figure out how to scale.I'm under no delusions that I am an expert after one deal, but I thought that after doing 2-3 deals and making them successful we would then have the creditably to get loans from others to really acquire some volume. 

But I've got the credit and a better head for money.

Did you use the Pro desk at home depot or just your own credit cards?

Could also say what you would've done differently.If you'd like to share any direct advice for me this is my basic situation: -I'm a 30 hour a week RN-Have about 25K cash available now-Substantial home equity available-No debt outside of our mortgage-Excellent credit-My wife and I are willing to do another owner occupied/house hack to get a MFH if advantageous-We live north of Seattle in a hot market.

The sellers are offering us a credit on the purchase price, but will not fix damage themselves, nor will they allow us to conduct our own estimates with our own contractor. 

You may also want a large line of credit for flipping homes or bridge financing.