Looking for advice on owner-finance deal

[Stacey Everett]

Unique situation. Our company has completed a fix and flip, found a retail buyer, have agreed to a sales price, and have a contract. Buyer is ready to move in as soon as they are financed. They wanted to go FHA but can't due to the 90-day rule. So they went with a CRA program with their bank. However, minimum credit score is 620. They have 615 due to past medical expenses. Buyer paid off credit card and a retail debt (all payments historically on time) in order to bring credit score up. However, bank can't/won't do a rapid rescore and said buyer has to wait 30 days for score to come up. Buyers and I both want to get this deal done now so they can move in within the next couple of weeks. House, price, contract, buyer and title company all in place. My plan is to seek a private lender that will buy the package deal and owner finance so that the buyers don't have to wait until mid-April to move in due to the snail's pace of the lenders. Any other suggestions?