That said, the bank will likely only lend on the valuation. So even if you negotiated the 20k off, you would probably need that in cash to do the work as it is unlikely in the current market they will lend you the 20k on top.
@mustardbeak started
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That said, the bank will likely only lend on the valuation. So even if you negotiated the 20k off, you would probably need that in cash to do the work as it is unlikely in the current market they will lend you the 20k on top.