Discharge is when the court actually stamps it a done deal.Think you have to wait 4 years from discharge date for a conventional loan.Also...Creditsesame.comcreditkarma.comcredit.comAll give you free credit....Help monitor/rebuild your credit.You can get secured credit cards from credit unions that can boost your score.Seems like you are doing two different things.1. buying a home to be owner occupied2.

Find out too, what compensation the negotiator is charging, as some structure it so the buyer has to pay this fee.

He has more experience with rentals so I decided to let him take the lead but now he is wanting to charge me a 37.5% of the rent to find the tenants and 5% a month.

Margin space at the top and bottom, sides, font size = pages to be filed with many standard documents = $$$$$$$ Filing feesWhile it does standardize documents, many attorneys may have charges per page = $$$$$Need a copy of filed documents from the Recorder= $$$$$Fees to be charged are often regulated by statute at the state level and is in some places seen as a taxing issue, so they can manipulate an increase by requiring the number of pages to present a deed or assignment for example.

The only obstacle is that you still need to take the actions to get it as a SFR if you intend to use conventional lending to get the property in the first place.

I'm not 100% sure on this, but I think if it is owner occupied you can go with conventional financing for as little as 5% down.

But at least you could get your money back out relatively quickly.Long term, you could always refi that commercial loan back into a conventional loan if you want.

So basically what I am wondering is: 1) Could I go to the bank with everything I have said here and seek a conventional loan with her co-signing against her property in the form of a home equity?

Offer 3/4 what a commercial service would have charged and then agree on some price slightly higher.Remember as a property owner you always pay for upkeep.

Cash out refi sounds like conventional financing to me and that is when people start to get into trouble.