The best scenario for the buyer buying subject to is to have enough money and good enough credit to qualify for a new loan at current rates should the due on sale clause be invoked by the lender  

This is terrible and I really feel for you guys.

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

In most of those cases, their broker took a high fee and the investor didn't end up with a great deal.Here are a couple of things that are a tipoff you are not working with a broker with your interests at heart (1) they want to pull your credit before having a conversation, or (2) they send you a long list of things you need to provide them before learning about you and your deal.The conversation should start with why you are interested in REI, then understanding your strategy to get there.

Any local bank that does this kind of financing should be able to approve you as long as you have a good enough credit score and never declared BK.

@Stefano Vrolijk it all depends on your credit history, whether you have an SSN/ ITIN and how much you can put down.

Most non-FHA loans will require at least 15% down but you'll have to have amazing credit.

So many hidden fee's and the quality of the construction is terrible, you'll be lucky to see a ROI.

And when you said the management company takes a 550 credit score , all I see in your future are evictions .   

Rate will be highly dependent on loan size, credit score, LTV, location, and property type, as well as a few other factors.