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Buying a house that needs some work - worth $650k in great shape - contract for $429k. Thinking VA, but the limit is $417k. Have a high DTI, but good income (including self-employed and rentals). The mortgage will be cheaper than the rent on the house (already living there). What type of mortgage would be easiest to get into? Have a 713 middle credit score and possibly 5% down if necessary. Can I get a hard money loan and then refi it for renovations?
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