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Regardless of your credit score/income it is nearly impossible to get a conventional loan for anything less than 50k (Maybe 40k if you really look around. Your best bet is finding hard money, or possibly a OWC situation (Owner will carry) Personally, I wouldn't have an issue carrying a loan with 25%. Worst case scenario the owner get's 5k up front, monthly payments with interest, and his place back if you default....
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For Sale: $79,900
For Sale: $15,000
For Sale: $56,000