Sounds like you are borrowing the money and you are trying to find a way to pay for the repairs after you purchase. A lender is unlikely to allow this. Usually, the most you are allowed to get back is 3%. But there are loan programs that can allow for repairs by putting the repair money in escrow, as long as the property value will be worth it when repairs are all compete. Check into an FHA 203K loan. It can be cumbersome to get all the bids in place, but it will accomplish what you are trying to do.