There are no "conforming" loan products you would qualify for, only Hard Money loans are available.. if you wait till the 24 month mark, you can use FHA which would be much less than any private money loan.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com
If if was a Chapter 13 BK and you have re-established credit since then it is possible you might qualify sooner than 2 yrs.
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