Furthermore, since you mentioned that you are in the process of obtaining your Real Estate License, you can ramp up those savings by earning sales commissions by helping sellers/buyers. 

Seller finance deals work when one of the following situations is present1- property can’t be financed with institutional financing usually because property is vacant (commercial property) or in bad condition2- seller will only accept an above market price for the property and by offering seller financing opens the universe of potential buyers to include people who wouldn’t qualify for financing3- seller is able to obtain a “piece of the action” from a buyer rehabbing the property and hence ultimately obtain a higher price.4- the seller has an existing low interest rate mortgage and wants to “wrap” the existing mortgage into a seller financed higher rate mortgage and pocket the differential 5- property is an investment property, seller has a low basis in the property because of depreciation, and wants to spread out the taxes due.Are you thinking of trying to purchase with 100% seller financing, or are you able to /willing to offer a down payment of say 10-20% .  

Obtaining my Real Estate Salesperson license was driven by a desire to address the critical issue of affordable housing.

Naturally if you have more mortgages in your name that will affect your DTI (debt to income ratio) and ability to obtain more loans/mortgages in the future.

Ended up pressing charges for breaking/entering, obtaining property under false pretense, fraud, and criminal trespass.

If my verbal offer is entertained, then I would contact my agent to have her set up a showing and make a formal offer.Is this reasonable?

In this arrangement, instead of obtaining a traditional mortgage from a bank, you negotiate directly with the seller to finance the purchase of their property.

To obtain a loan with little credit, consider DSCR loans, FHA loans, co-signers, and credit unions.

If this is for personal use then I'm not sure I'd entertain this idea.

Regardless, it is essential to promptly follow up – consider obtaining a second opinion from another HVAC company and focus on completing any necessary repairs.