Try Credit Unions, local and national banks.  

@Frantz Joseph Local credit unions will give you the best rates on these

1) Previously 50% utilization on each credit card (not aggregate of all cards) is now 30% to have an impact on score2) They now look at "payment acceleration" meaning paying the minimums every month is looked down upon..

I have, however, done some casual searching online for local credit unions, and have found at least a small handful that will lend higher than 85% LTV (with less favorable terms, obviously).

The sponsor argues that they get credit for bringing the millions of financing their reputations allows them to secure to get the project done.

If you have credit up to a certain level, most counties do down payment assistance and have other kinds of grants that promote homeownership for people who don't have a lot of money of the greatest credit.

If your asking these questions here, find a friend who can help so you don't get fleeced.Drawback is usually the loan is more expensive/higher rate, they may not report to credit agencies (won't improve your credit, but this can keep your documented DTI ratio lower which may be good) and if they do use a servicer, somebody (you, unless you negotiate otherwise) will pay a service fee to have your money processed every month.

I have $15,000 in business credit, excellent credit and still saving up cash.

I’m here to ask the experts which route I should take, if any.Basic details about me: I’m 34, recently married and no kids but planning to within the next 2 years(this detail is just for you to know that I don’t have much restrictions on moving aside from commuting)I currently own a coop in Yonkers, NY with roughly 50k in equityI am willing to invest in the tristate area but if I have to live in the property I have to limit my distance to Bronx, Westchester and Connecticut.I also have enough saved to buy a 275k property with 20% down or the max allowed with an FHA loan (this is without having to sell my coop)I have excellent credit which will qualify me for loan without an issueThe way I see it I have 3 options in order to get started: Sell my current coop, buy a triplex in a worst neighborhood with more TLC needed, and move to into the property for at least 2 years to qualify for an FHA loan.

Shouldn't affect your traditional lines of credit to do more deals with.