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How do I finance an auction.com property that won't allow an appraisal?

Im trying to buy a property off auction.com but they wont give me or an appraiser access to actually see it before closing. Is there any way to get financing without a normal appraisal, or am I stuck paying cash on this one?

Asked by Palmer S. | Boise, ID| 11-05-2026| 6 views|Buying|Updated 2 hours ago

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Keith Jean PierreReal Estate Agent1 hour ago

Palmer, foreclosure property that are owned by the bank are typically sold via cash, so you are going to need unconventional financing like a hard money loan, home equity line from another property, etc. Traditional financing will not work here. Keith Jean-Pierre Managing Principal The Dapper Agents Real Estate Operations in ALL 50 States

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Michael AtkinsonReal Estate Agent2 hours ago

Financing may be possible, but the specific auction terms control. Check whether the listing is cash only and when full payment is due. A ready to use line of credit or certain private loans may work if they require no interior access and can meet the deadline. Some conventional loans qualify for an appraisal waiver, but your lender must confirm eligibility; you cannot simply request one to bypass the access restriction. Before bidding, get written confirmation from both the lender and auction representative that your funding meets the requirements. Also budget generously for unknown repairs, and do not assume you can refinance immediately after closing.

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