I got divorced and bought a house we got back together and now im having trouble refinancing bc its vacant

Elenor
having trouble refinancing a vacant house

Hettie
Move back into the house refinance it and then move back into the other house.

Carlton
what u now have even if u rent it is a non owner occupied investment property, and in todays world u will be lucky to get 80% of the loan to value with good credit, rate will be higher than normal for investment instead of owner occupied, best bet is rent it and see where that puts u rate wise, u could always come up with a fictional lease but they are going to ask to see a cashed deposit check, so see if a family member can help u out that way. they wont inspect the property, but no lender is going to allow a refi if u have the house on the market and listed with a realtor or if they find out u r trying to sell it yourself.