The amount the bank is willing to loan on a residential property depends on many different aspects such as the credit score of the buyer, value of the property and the loan program available to the buyer. Where the condition of the property comes into play is when considering the value. The bank will require an independent appraisal of the property in which the appraiser will view the property and compare it to other comparable properties recently sold. They will also note any issues that may be required by the loan program (FHA and VA financing have specific requirements for the property).
This is a great question and unfortunately does not have a specific answer. In today's lending industry, there are many variables that effect a homes marketability. If you have a specific property in mind, I would be more then happy to look it over, answer any questions you may have and give you my best recommendation as how to proceed.
I hope my answer gives you a little more clarity to your question and wish you the best of luck with your purchase or sale.
Only a mortgage broker who is working on file would be able to determine what is your best interest. Every family seeking purchase a home whether a resident OR non-resident of USA have different hurdles cross over obtain a loan.
Recommend check with your local bank in country you reside in determine if they can provide assistance best have many options.
National Featured Realtor and Consultant, Texas Mortgage Loan Officer, Credit Repair Lecturer
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Depending on where it is in Davenport, it may be eligible for a Rural Development loan, if not FHA is 3.50% down. You have to show you need the 3.50%, but offer could be worked that you don't need ot use all the 3.5%. Plus you may qualify for the First-time hombuyers tax credit. Maria
THE National Bank