There are hard money programs that would allow the borrower to get to 100 CLTV, but it would require increased seller participation (on the magnitude of between 35-40%).

My job is to get our projects approved by city and county reviewers all the way thru public hearing.

I am considering taking the Scott Scheel program , any feedback on that program or are there any better for the $ ?

To add clarity to my previous post ,I was not Saying violate the contract with the realtor they still get paid their commission , but, ultimately the decision of how low the price will go is up to the Bank to approve.

Scott it is a legal requirement in Ohio and you have to use the court approved form for your area.

More people bring you deals, more lenders will approve your projects, etc.

I dont have enough income coming in cause my self employed job is slow from Katrina sway of the money.I asked if I could get another program or rehab loan.

The key is I want a tool that makes it easy for me to focus on the content and not on the programming.

Any such program would be administered at the local level as the people collecting are local.

They will usually be able to give you a pre-approval letter.