The good:Clean cut, well spoken, has 2 verified sources of income (one is a transportation business he owns) and meets our income qualifications, good payment history for the past 2 years according to credit report, good communication with me, jumped through all of my hoops.The bad:While the past 2 years are "clean"....Chapter 7 Bankruptcy in 2013, Eviction (says he co-signed with a girlfriend), 2 divorces (which led to bankruptcy) and a "failure to operate vehicle with license" on criminal report. 

They are flat out refusing to delete my 7 year old CH13 bankruptcy which is keeping me from getting business funding to build my real estate business.

Have you ever operated under a different name, declared bankruptcy, been sued or sued anyone before?

I have cheap and easy access to Absentees, Free&Clears, even bankruptcies but should I look more at probates or pre-foreclosures.  

Think about it...they can't pay their bills and file bankruptcy.

Big concerns are bankruptcies/repossessions/evictions and crimes against people/property.

Point 4 "If the seller files bankruptcy..."  

It’s not going to be pretty. it looks like the purpose of this bankruptcy is to re-org the company and operation.

8) Where do I find information pertaining to the owner of the property filing for bankruptcy (which would nullify the sale)before the auction and after he was notified of the tax lien?

Regarding refinancing:Forever in the future you need the seller to be alive, able to be notarized, willing to help you, not have liens or file bankruptcy as those cloud the title.Can you qualify to refinance quickly if lender calls the note?