Venmo allows you to use a bank account or debit card for free (they'd charge 3% fee if using a credit card). 

Credit low only due to card utilization.

The approval is based on credit, cash flow of the property and loan to value.

A place for opportunities with high rent returns for relatively low purchase investments.This question assumes you have good enough credit, debt/income ratio, income, etc that getting the loan will not be an issue.  

He wants an upfront fee of $795 and he says it gets credited at closing.

I have cash and credit.

I would like to make him an offer to pay off his mortgage debt and hopefully limit the impact on his credit. 

It will get you a house and save their credit and keep the bank happy.

I own a lot of properties in locations that have been prime for rehabilitation and I'm looking to discuss real estate tax credits for the repairs, purchase, investment that I have made for rebuilding/repairing/purchasing those properties for low income tenants.Thanks

There are plenty of loan products for owner occupants out there, even for properties that require rehab, that a credit worthy borrower shouldn’t have to use HM to finance their personal residence.