Refinancing out of owner financing

[Bryan Davis]

I just received a phone call off of one of my yellow letters and after speaking with the seller I don't see much I can do but I was hoping for input from the BP community on my analysis. Here are the facts:

House is a 3 bedroom, 2 bathroom, attached 2 car garage, 1,700+ ft..
Owner purchased a few years ago at $105K, current Zillow value is $75K, the house is free and clear. House just got a new roof last month and was rehabbed fully on the interior 3 years ago. Tenants currently in the house are paying $1,000 /mo., Zillow puts rent at $1,150 /mo. Seller is willing to finance for 6 months but no more, wants to invest in other things.

My thought process is like this, the seller is not willing to take a low enough amount for wholesaling or rehabbing. Long term owner financing would allow for lease optioning or long term leasing but seller is unwilling so those are out. I don't see anything else to do here except to maybe refer the seller to a real estate agent. Any other ideas?

Also, in cases where the seller is willing to owner finance for longer terms, what's the general process for refinancing with a bank based on the lease income and not your own credit? My FICO is around 700 but I don't have a traditional job so refinancing seems like it could be a challenge. I sorely want to start holding cashflow properties but that's a new animal to me. Thanks for any input.