My goal is to wholesale some properties single and multifamily to build some capital while fixing my personal credit and building my business credit.

If you have some capital, income, and decent credit, buy a 4-5 bedroom house and rent bedrooms. 

Some credit unions will go to 85%-95%, but there are just a few that will do 100% loan to value! 

I am looking for recommendations for best financing options.The owner is considering financing it, but until they agree, I am planning as if they will not do so.The local credit union I use, who is very investor friendly, is unable to lend on properties larger than 4 units right now. 

Most of our newer investors approach 2-3 lenders to discuss loan options.Some lenders recommend making your financing inquiries within a 45-day time period to avoid larger drops in your credit scores.All the best!

I've been reading more about subject to and here's what I've learned:-Good for sellers who are off market-Have low to no equity-Have a mortgage with a low interest rate (less than 5%)-Be absentee or out of state (vacant property, or have a tenant)The buyer would then take over the mortgage payments, and have the seller sign the deed over to the buyer.

Credit (loans) become much more difficult to obtain and if available you pay a MUCH higher interest rate with a much higher down payment requirement2.

We have excellent credit and cash capital.

The bigger concern I would have is low pressure due to blocked pipes, especially to the bathrooms.

But I do think that the overall quality is very low compared to the rest of the US.