Rates are moving down and depending on Rate buydown, credit scores, and down payment it could be higher cash flow.

It allows you to leverage the property without affecting your credit, but its crucial to fully understand the terms and ensure it aligns with your investment strategy. 

One option is to keep the home and use a Home Equity Line of Credit (HELOC), which can preserve the low interest rate and leverage equity for investments.

(plus, I get $1500 credit in processing fees)? 

I'd like the home for a personal residence so I contacted this lady, apologized for her financial difficulties and told her I may be able to save her credit and take the home off her hands.

They can create tax incentives, credits, rebates, etc to move the needle on housing. 

@Rusty ScottI just purchased a home for myself as a buyers agent and took a closing credit instead of receiving my portion of the commission.

I would also request a seller credit if you truly were unaware that the tenant was not current on rent.

To their credit, the representative took note of the things we pointed out and agreed there could be room to negotiate.The one thing that really bothered me is that if you deal with any other wholesale company they will shut the door and never deal with you ever again. 

Lenders will typically only give credit per the terms of the agreement and any realized appreciation while renting will not be considered down payment (although will still benefit the renter/buyer greatly)