By any means necessary except borrowing money.

Policy Premium for Owner's $425GAP Endorsement $125Special Assessment letter $200Closing fee $50Borrowers charges $125I assume the borrowers charges is something we dont need  to pay considering were paying cash.

My guess is that you will need to borrow from a Hard Money Lender.  

On a buy n hold I borrow the private funds for 120 days. 

I can still borrow a lot more before I hit that cap. 

But if you are a borrower questioning whether to buy now or to wait, consider other factors impacting the housing market and stop waiting to see another 2008 dip, because you'll probably be missing out on a lot of opportunities. 

@Erica Bird  I have had claims over my 40 years of doing thisa huge one.. were myself as the buyer of a HML portfolio discovered that a borrower in our portfolio had forged reconveyances and Deeds of trust.. so the deeds and releases on said properties were not valid..

Also when refinancing what's the avg loan to value can we borrow up to.

has anyone heard of this process and how can a Co-borrower get a mortgage "excused" from their credit when the other is making the payments.

And if the answer is "no," it'll take even more time.But, I have a solution that may work quote well for both you AND for your buyer.Assuming the census tract and the borrower's income work, Fannie Mae HomeReady is often a better deal than FHA anyways.