My other solution that I thought of was having the end buyer deposit his 20% down payment in an escrow account, then closing on my purchase, having him obtain a non-conforming loan that doesn't require seasoning, and closing in my sale to end buyer 30 days later.

I can pull non-owner occupied lists from my title company....is that the same thing?

To find investors with cash:Call all rentals in your area.Get a list of non owner occupied owners that have bought homes within the last 12 months and mail themBandit Signs CHEAP HOME DEALS XXX-XXXXNetwork.

No, that's the right question...unfortunately, the answer is ZERO and NONE as far as your chances.There are NO non-owner occupant cash out loans (except for hard money) that a lender will not look at your credit and income.And there probably won't ever be again.Best to build up your credit (not that hard if you have none) and find someone to partner with.No credit is better than bad credit, and by finding a partner as co-owner (should be a blood relative), you can buy a home with just 3% down FHA, as an owner occupant.Don't ever, EVER, EVER, pay ALL CASH for a property unless you plan to flip it FAST !!!

Anyone who's been alive since public education started (very few, maybe nobody, my grandma's 89 and she went to public school) has dang sure lived through some pretty radical falls.Edited to add: Don't get me wrong.

Generally, it will take two full years of established credit before your company will be able to obtain non-guaranteed loans.

Title seasoning issues are non existent with his various programs.But I have to say that the best thing about Bill Koerner is that his service to his consultants is unprecedented.

But, I am going to keep the reasons to myself at least on a public site this for now.

Tim,We have been looking for the same and finding funding for those small amounts is hard enough as a citizen, let alone a non-citizen.

as a mortgage broker I would like to make you aware of the diffuculties of obtaining cash out refinances on non owner occupied properties.