Conventional Financing with an off-Market Property

[Ahmad Din]

I have a situation i'm in where I am in contract with a wholesaling company for an off-market property. Based on the pictures and condition of the house it should qualify for a Conventional loan. I am walking the property tomorrow at 4:00pm with my contractor to ensure nothing is wrong with the property that would flag the appraiser, this is where my non-refundable EMD is due. My lender came back and said they cannot process the contract as written because it's essentially an assignment contract between myself and the wholesaling LLC. They need it to read the the actual owners are the seller and I am the end buying with having the wholesale LLC as the deal sponsor or facilitator. They are slow moving with this request and I am worried I won't have a revised contract in hand prior to my walk through tomorrow and i'm a little hesitant about giving them a non-refundable EMD without having a contract that will work. I am using this as a primary residence and im putting 5% down. I do have a hard money lender on standby but would much rather avoid the high interest and double close. Any advice or guidance would be amazing, I love this community and hope this question and consequent answers can help other people who may run into the same thing.