<prompt> Human: So Im 26 , work in a 1099 insurance sales position. I have had good and bad years since 2014. am at a new company making way more now. Anyway I always keep my eye open and couldnt pass up this home near me. Everything look good its a forclosure, theyre asking 25K. It was sold last yr for 40k. Obviously needs work. My problem is I am having a hard time finding a lender the cover it bc its so small. I can possibly put 5,000 down but I would be a first time home buyer. What is my best option?  <response>: For 25k could you get a personal loan? Your rate would be higher, but with such a low amount even a 6-7 personal loan is still going to come out looking like an average new car payment. It would also make things far easier when paying for the house when you dont have to worry about all the normal mortgage paperwork. 