Unless a loan is assumable few if any lenders are going to agree to this because they have no way of knowing if you are credit worthy, as the seller was the one who was vetted. 

I want to scale, but not sure how to develop my strategy.I have a $200k HELOC and excellent credit worthiness and high income from my day job.

@Roy LoganIt sounds like you’ve made some great moves in real estate investing—your BRRR strategy is paying off with those solid returns.At the bare minimum, you should do the following to make your bookkeeping easier:Dedicate one checking account and credit card exclusively to real estate.

There are several benefits of having cash in the bank/liquid reserves versus an open end mortgage (a.k.a) credit card.

Check with credit union.

I just received an application from someone who meets the income requirement (3x rent) but not the credit rating requirement.

They would fix my $100 for the next 18 months as a grace period so I have time to put the tax credit money "back in" the full cost of the panels.

Financing- build a relationship with a regional banker, don’t shop for interest rates, start small and build history and loyalty they are your team, Cross collateralize, deposit CD/MM or custodial account with bank for loan, give them monthly updates, nail your deal analysis, do stress tests on your deal analysis-cost/interest rate/deal length/ sale price etc. 12.

I have no debt, significant equity, good W-2, and excellent credit.

I have $80k liquid in CDs and savings accounts in the bank and a credit score between 760 - 780.