what are considered unique property issues. part of the money is going to a few home repairs/improvements.

It sounds like you are seeking an equity line of credit perhaps? Or if you do not have much equity in the house, seeking government options to cover these home repairs/improvements? Not sure what you are referring to with unique property issues?

Depending on the loan your applying for will determine the minimum acceptable property condition to pass underwriting acceptance. For some programs such as FHA, you cannot have any problems that have to do with "Safety or Health Concerns".. Mold, broken windows, exposed wiring, leaky plumbing, trip hazards, etc. Lenders also look to see if the property is on a septic system or public sewer system.. Same goes for water source.. well / shared well / or city or county water. With out more info, it's difficult to answer your question fully.. 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 480-287-5714 WilliamAcres.com