But I don't know the extra costs you have to pay  for level, set up, pads, skirting and deckingCan anyone help me?

The question is always - what will you do with the extra cash if you only put 3.5% down?

Could be an extra $160+/month.What about lawn care?

Plus I might be able to throw maybe $200 extra a month which loan would be paid off in    5 years. 

With that rate, I would never pay extra on that loan...EVER.

They want 75 with a 203k loan so it includes about 30K extra to help pay for rehab.Will it cost too much to fix this?

Hard Money will look out for you by looking out for themselves and provided extra checks and balances in due diligence.The other advantage of Hard Money is the reliability and availability.

Now, since you want to flip I would assume your answer is that you want some extra capital.

Iam in texas, I will update you as soon as I get with the foreclosure attorney who did the foreclosure on this, hopefully they will tell me how they dispurse the extra funds.buy I will love to see someone answer my question.

Many tax firms focus on volume tax preparation, and it does make their tax seasons overloaded to the point of not having extra 15 minutes to spare.