There must be a reason they're using CFD as opposed to DOT or mortgage and transferring deed to the buyer at closing.

Sounds like the BRRRR method could be a could way to go about that if you're open to properties that need some TLC as opposed to ones that are turnkey. 

You can use conventional financing, up to a fourplex, and if you live in one unit you may reduce some of the property tax for the space you live in as it is your primary residence and you can also buy with very little down as opposed to buying it strictly as an investment property.Duplexes are a great option and you generally also always have at least one paying tenant and can be bought similarly.

If you used financing, you'd be into the deal for maybe 15k - 20k as opposed to 90k.Anyone who does their homework with hard money can easily find out all about the market, the programs, the costs of it and what the rates are. 

Only criminals will oppose such idea.

The home was a big interior and exterior clean up with minor construction.

The biggest advantage to FHA is you can do 3.5% down as opposed to Conventional's 5%.

There are two opposing strategies that jump to mind. 

Forget bids of $70k, even $90k to punch out, including increasing the exterior wall and roof line. 

Assuming the final price is enough for all parties to be satisfied, you'd do a JV agreement with the wholesaler and the realtor would be paid their commission (as opposed to a separate JV).