If they represented pads that didn't exist then it would seem fair to ask for something of a credit (20k?). 

Verifying last 2 years of rental history very important!

Excellent credit and a 30% downpayment. 

I plan to do my own background, credit and eviction check. 

Keep in mind that each lender may have specific requirements based on your credit, income, and other factors, so you’ll want to check with them directly.I don’t do conventionals but I’d recommend reaching out to Brandon Croucier with All Loans Funding on here for those he’s really great. 

Since Covid, Wells Fargo stopped opening new lines of credit, and from the info I gathering will completely be getting out of the HELOC business.

A mentor of mine with 400 units had said I can use a large seller credit to cover most of the down payment on a property I'm looking at.

Verifying last 2 years of rental history very important!

Gold/silver falls into that category as well and is more stable, has a long history of value retention and can't be hacked or generated from a computer. 

Given your strong net worth and experience, investors might be interested in a short-term investment with a clear exit strategy.Home Equity Line of Credit (HELOC): If you have significant equity in your personal residence or other properties, a HELOC can provide access to funds without selling any assets.Securities-Backed Line of Credit (SBLOC): If you have an investment portfolio, you could borrow against the value of your securities without liquidating them.Seller Financing: Negotiating with the seller to finance part of the purchase price can reduce the immediate cash requirement.