ANOTHER potential route would be to get a loan with a Private Money Lender. Private Money Lenders often give loans based on the "POTENTIAL" of the property or Repaired Value. Contact Kevin Hoover and his TEAM at Creative Realty & Mortgage for more information:
(661) 327-7041 Office
EMAIL Kevin: firstname.lastname@example.org
If the home has major repairs due to fire it my be a cash only. If homes need major repairs there will be less loans for the home. You might want to talk with you Realtor a bit more about it or call your local lendor. I have worked with Byron Young in your area and found him to be a great Realtor and very helpful. I wish you luck in the purchase of your home.