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Owner occupy what and what for what purpose - refinance, certain loan products, etc?

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This property is a former auto shop, however, he has no intention of using it as a commercial space to sell services or products.

She already has employment lined up but I on the other hand do not. 

I would look for another lender or see if the same lender has a different product.  

Joshua,I am new to real estate investing but I own a video production company.  

I was originally planning to fix and flip until I got to listening to Brandon Turner, now i'm considering the BURRR method OR pulling a equity line of credit. 

@Daniel Rutherford  Before going into the finance details, will the on-line auction even allow it to be financed?

@Ryan Stevens You can get a bridge loan or some other short term financing but you are going to play a lot for it and they are all going to require at 70% LTV so you would need $75k on top of paying upwards of 10% interest on it.Maybe @Andrew Postell has a product he could help you with.