typical financing probably won't work if your home needs that much repair. I have had some banks who do not resell their mortgages provide portfolio loans for properties that would not qualify for conventional financing. I am not sure who would be in your area, but I would check with the local banks.
The other option you can try is an FHA 203k loan, which is a rehab loan. Not many banks offer these, so I suggest you check out wells fargo or go to a full service mortgage broker like RMS. The caveat is that you cannot do the work yourself. It must be done by a professional contractor and completed within 6 months. This is the loan I recommend to most of the buyers who need financing for bank owned properties that need a lot of work to be livable.... more