Let me begin by saying, I currently live in Jurassic park, and I hate it. I live up against a mountain, and there are tarantulas, giant wasps that hunt them, aligator lizards, rattlesnakes, red importaed fire ants, hundreds of bees and wasps every day in the yard, ( I am allergic to bees , so I cannot even enjoy my giant yard) there are skunks, gophers, zillions of black widows, it just goes on and on, and if that isnt enough to make me dread getting up out of bed every day, there were brush fires within 300 yards of the back fence last week 3 to be exact. I actually called the fire department because they did not yet know on one occaision. I really hate it here and that is the greatest motivation for wanting to move but it is a lot more

I have ample income in my household, although the credit is horrendous, thanks to some nice divorce shrapnel hanging around. I live in one of the areas that has a literal surplus of houses, both good condition ones that FHA and banks would actually lend money to purchase, of tons of fixers that no one would lend money (conventionally speaking) against.

My personal situation, I was a renter in a home that the owner simply did not pay his mortgage and once bank took it back I even tried to negotiate and attempted to try to purchase, I got as far as the time allowed until they could legally evict, so basically the bank just wasted time and agreed to work with us, and then simply did not answer phone! I spent a lot of money on my attorney, and then moving. I had plenty for a down payment until I had to hired an attorney.

Long story ,shortened, I have a bunch of pets, several I rescued during the CA firestorms last year and the year before, they have been thru enough I am not gonna get rid of them, they are well cared for and I love each and every one of them, and they dont make my house stink and they dont pee.. When I look for a place to live there are factors which I must incorporate, like the pets impact or bothering neighbors, the size of the lots etc. It is not often a place is "perfect". But it has to be large enough, and safe enough, and wood floors etc..

I am renting in Riverside county ca, the rent is about 3 times what a house payment would be if I could borrow, even hard money at the worst of interest rates.. I came across a house I want to buy, but I might as well wear a sandwhich sign and ask for a miracle! The house , which no doubt some fixer up kinda person will buy an flip, I would love to make a long term home out of.

My sig other works for a very respected and reputable company, and has been there over a year, actually has an 8 year history with them , but he left to do a start up and they lured him back. He is very respected in his field. He does have a hefty support payment to the ex and kids , but even still we have enough to make payments on time all utilities etc. I myself was a house wife, I got shafted in my divorce and have never really had much of an income, due to lack of college education. I would like to get back out there and find a good job. I am going crazy with boredom.

Literally we can get together a very small earnest money amount, but because the rent is kinda high,since we had to find something fast when we moved, that said yes to pets as well, we are kind living paycheck to paycheck some weeks.

Despite all of the drama above, does any private lender even care about how it is a person came to need a loan, even with bad credit? Would a local private funder be interested in the property potential, because right now the town the place is in is one of the "lower" priced areas.

Am I being a hopeless romantic in thinking maybe if I could simply show the person what we want to buy and the merits of the property can sort of sell the idea.. I know everything is paperwork and escrow and biz end of a house purchase. But I am wondering is there any human aspect to begging someone to lend me the money to buy this house. The potential for equity is very realistic. It is not like one of the planned communities houses that are up for sale by the dozens around here. Its different, has a view, and has a very good sized lot as well as proximity to the desireable ammenities of the area its located in.

I have many things I can bring on board as upgrades, I was lucky enough to be allowed to take what I put into the old place and it was a lot. So even though my down payment would be virtually non existent, I can bring elbow grease, nice fixtures, and I keep a clean house. Would anyone actually care about any of this??

The town the house is in , is going thru some positive changes and because of that the city itself is predicted to become more affluent as oppossed to the way part of it is now. The property location will be an ideal place and valuable, as the city starts implementing the proposed changes. Actually, it will be a prime location. Does anyone, ever just say, "Yes I like the potential, I will lend you money for that house" I mean worst case scenario, we are talking about a house that is listed for $95K Yes it needs lots of work, there are plumbing leaks, however my sig others best friend is a plummber, my brothers know how to build decks and repair existing ones...see what I am saying. I want to live there so I am going to fix it obviously.

I do not know where to turn to, or if I am just dreaming... So in my novel (of a post!) here I just wanted to spell it out up front. That way people while they may flame me for the life history, I think its a fairly clear picture of the situation and do I have any hope. The good news is this house apparently needs work because the house is still available. Most of them go in a day. It also has a weird layout for most people I would think so maybe that is a reason its not gone , but for me its ideal.

Any serious suggestions, or advice will be greatly appreciated, If I can find help to get out of this horrible rental into a place I can make awesome, I would truly make sure I was the best person anyone ever lended house money to.

So let me know the scoop, and then I can moving on to the next phase or next plan.

Annie

ps if there are any private parties who might be reading this and you want to make a difference in someones life, I could be your girl. I do believe people exist out there who can help others and actually still do.