FHA programs offer 97% Loans and require no reserves if I were you I look at those as well, If I can be of Further Assistance do not hesitate to call me.
Asap Mortgage & Investments Inc.
Mortgage Banker/Correspondent Lender
Approved FHA Lender
Apply on Line @ http://www.asapmortgage.org or http://www. asapmortgage.com.web-loans.com/
In answering your questions banks do not make loans on property and furniture but look for the situation previously identified.
The "Eckler Team"