Agreeing with most of the posts that a 3-12 month estimate to buyers being credit worthy may be a little too optimistic.

Could it be because the actual commercial property carries a lot more weight that than the creditworthiness of the buyer?

The selling agent wouldn't give me any details other than that he wants to be out of the property completely in 5 years, but is willing to carry some debt now as long is it is secured by a credit worthy buyer.I am the prospective buyer and typically buy for long term appreciation, cash flow income (I think it's a fools dream to invest on property appreciation/speculation).

My thought is to quote 8% and perhaps discount to 7% if the buyer can demonstrate credit worthiness to do so.

James,If you can find an older investor who has a property he'd sell on payments without qualifying, you could short circuit the process until you become more credit worthy.

Combination of the economy, job less, housing availability, tenant creditworthiness - all those affect the rental market vacancy period.

If a person has never rented an apartment before someone needs to give them an opportunity to establish their creditworthiness.4.

(I am sorry about these long acronyms - but that's what these laws are conventionally called and it makes it easier for you to do your google research.)Regarding loans to foreign nationals, these are available but the best way to do it would be to have your entities set up, acquire the initial properties for cash as you plan, and then demonstrate the credit-worthiness of the entity through its history of income.

Also, a mortgage broker could be involved up front to evaluate the credit worthiness of the prospect and to give a ballpark timeframe for improving the credit of that prospect.

It means they are too stupid to get federal PLUS (parent loans) or don't have a parent who is credit worthy enough to get a loan (even worse!).