it really depends on who the loan goes to. I’m hearing and seeing some oddities with some fha loans in our office. If you can find a good broker, you should be able to get this done, good luck

if you are in an equity possition now try an fha203K loan for your repairs. The problem is that not too many lenders will do them

you are not restricted to FHA insured loans.
–just call your “favorite” mortgage broker
and indicate you seek a rehab loan. Period.

or, if you have a good relationship with your
bank, they should do it easily.