My intent is to be ready to refinance the building through a local credit union that does not have a seasoning requirement within 9 months of purchase.  

Depreciation, mileage, home office, meals, 401k (assuming earned income a real estate biz) are all things to consider when wanting income higher so you can have more access to capital.Most decent lenders will give you credit for depreciation, however.

The other requirements in the listing such as credit score, rental history, etc would remain unchanged. 

In 2020 the house was 75% done and I had to re appraise the house and get a new loan to pay off all my credit cards, personal loans, etc.

Like the other posters have mentioned the credit score / credit report is likely an issue - with what you describe there certainly seems to be some stuff missing for it to be that low - but on the flip side, it could be a situation where professional credit repair could make a relatively quick big improvement.

At the end of the contingency period, you and your agent will let the seller know if you want to move forward with the purchase, if you want to terminate the agreement, or if you want to ask the seller to make repairs or issue a monetary credit before closing.

They are liars, give them no second thought.Another side note, you said son talked about taking care of the lawn.........They only bring stuff like that up during showings to try to get the landlord's guard down and overlook crappy credit or past evictions and things of that nature.

In addition, this owner occupant buyer normally requires the maximum seller concession credits just to qualify.

@Cory M.Depends what kind of banking you need, but after searching high and low state department federal credit union (with an American citizens abroad membership first, like 100 bucks) and capital one have worked best for me to avoid the nightmare you mention of trying to deal with US banks from outside the US.

Thanks everyone for the input, i spoke to my money manager yesterday, she mentions a Secured Bank Loan as a line of credit borrowed against my investments with them.