But they were selling an expensive house in California and had horrible credit.

Those are people who have cash/credit and will lend to you if you have a good deal locked up. 

My "middle" is close to my bottom price and I picked up another $75,000 of free equity, for a total of $198,000 free equity in 5 days on two properties in 2025. 

Vaughan, did you tell him he said he would do it for free?  

There are people out there who just cruise to places inventing problems so they can get discounts or free vacations after threatening low ratings.

It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

@Donald Hatter We send the information to a collection agency who attempts to recover the money; after they make several attempts they place it on their credit report. 

Choosing a solution like that means missing out on significant opportunities to free up your time for what you do best while also foregoing the expertise of a tax professional who could provide substantial benefits—potentially saving you thousands of dollars.

I know an investor in Minneapolis that specializes in this feel free to dm me.

I would stay away from section 8, pull credit and background, and call referrals, and look at pay stubs for everyone who applies.