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so when youre out there looking for houses one of the number one reason someone doesnt buy that house is because when they walk in theres just too many things that they think theyre gonna have to prepare or replace and so they pass through another house what Im trying to convince you to do is think about renovation loans the process takes about 45 days and what really takes the time is that you got to get a general contractor to go into the house give you a bid and also we have to get the general contractor approved because we want to make sure were vetting The Joint contractor so its safe to give them money and basically you just do a regular contract for purchase and at the end you start giving draws to the general contractor into the house is finished we still only need to put five percent down for conventional or three and a half percent down for FHA as long as theres a five thousand dollars of repairs you can do it renovation loan as far as credit score all you need is a 6