My credit is not good...any advice would be appreciated.

With that said however, I am poking around now (a new flip opportunity I saw had an inground pool that I would fill) and it looks fairly straight forward.

The amount of the buyout can range depending on your credit score and how much you are putting down (and a few other items).

More specifically, they are worried that the appraisers won't give full credit for the upgrades, and will not / may not look outside of the development to find comps (even though the others are less than a mile away).  

My only two options would be another HELOC or a fixed 15 yr equity loan at around 9% interest.Am I missing something or is it just my bank (Navy Federal Credit Union)Thanks,Mike

Yes, but this would not be an ideal situation since we're fairly conservative with our finances.Is 800 your current insurance rate or is that an estimate for a landlord policy because usually they are significantly different.

House Flippers Caused the US Housing Market Crash.It suggests that it was not subprime borrowers with bad credit who caused the crash, but investors, based on the fact that the great expansion of credit happened with people who had good to excellent credit.What do you think about this argument?  

We heard that a credit union or community bank is more likely to work with investors as they are more flexible.

I'm fairly certain that makes me an outlier in this community, but please hear me out: I currently live in Santa Barbara, CA.

I have good credit and have been on my job for 7 years.