Some of these deals make sense...others have sellers with terrible expectations on what they can sell their properties for. 

In terms of financing, I'ver heard small local banks and credit unions are the best to find flexible options?

Hey, there was a guy I just used ... allowed me to pull 50% out of a paid off property ... no income verification and credit qualification ... though they did pull my credit. 

It's terrible if you turn 65 and planned on retiring somewhere else on the money you planned on making when you sold your home. 

My credit score right now is over 700 so still looking to build that more as well.

i know i can call and get quotes but they run soft hits on your credit for each one so i'm not looking to have tons of hits on my credit. 

You can get credit for any option fee that you paid and also any rent credits that are fully documented, so long as the rent credits are over and above what the market rents on the appraisal comes in at.

Everyone is happy, though the seller just wants to sell i know shes happy there are no calls in the middle of night and her house is in excellent condition b/c the TB's are treating it as they own it, going through a credit repair program and working with my mortgage broker that specializes in

A family member can be a great or terrible partner.

I'm relatively new to real estate so I'm hoping you can offer some useful insight.Applicant 1: Excellent credit, low debt-to-income ratio, upper-middle-class income, very little available cash in bank account (cash is mostly in stock and retirement accounts)Applicant 2: Mediocre credit, better-than-average debt-to-income ratio, middle-class income, enough cash available to almost buy home outright.