However, there's a loss on the 2023 Tax Returns, and Net Income is $45,000 in 2022 (Client has lots of writeoffs) What loans could I use that only consider:- Bank Statements - 1099s - Credit Score Please contact me with options.

Wouldn't hurt to look in to both to give yourself the best chance at finding the best loan product. 

Account Closed said, income and assets are the only "hassle" with a conventional loan.

After funding 2,000+ loans across the country I know most lenders will have issues with these 2 things.

If you aren't going to be living in CR full time as you try to execute the deal I do not think it is physically possible for you to obtain a loan from Scotia Bank and not worth your time to try because the rates are so high. 

Sounds like you are getting hit with a lender who has overlays and possibly miscommunication between the loan officer/processor to the underwriter.

I have a bank locally that will use DOT as collateral for loans.

@Roman StefaniwWhen retirement accounts in the US get financing, the loans are called "non-recourse."

But as for the seller finance, would the loan to the seller be the difference between 450k and the refinance number of 220k?

Could have held until this winter and gotten his occupancy up to around 80% and would have added another $500k to the value.Downpayment $310kAll in cost plus loan: $1.3mmSold for $2.4mm; with 250k seller financing for 5 years.