or the other or can you use both? Can you combine the best of both or is it just one or the other? And which is better at this time? I live in Calif. and looking to buy a bank owned home that needs a ton of work thats mostly cosmetic. The bank is offering 9k for closing and 10k for repairs but probably needs more, needing new carpet and fence amongst others. How do I best finagle this deal? Thanks.