The person that bids the lowest interest rate gets the certificate. 

Opportunity Zone Tax Credits helped fuel more investments in rural and under-served markets where capital is needed, but not much is available.

It will co-exist with other "new" payment methods such as google pay, apple pay and credit card etc, because the target customers are different.

I recently did one where the lender did allow it but that was because of our position as a great customer of the bank and our impeccable credit record.  

I have refinanced those to 85% loan to value with a credit union and got over 10% back out which was about 200K. 

You may not collect anything, but it will sit on his credit report and prevent him from getting a car loan, home loan, or scamming another landlord.

I'd love to have a small line of credit on the property before the end of the year to cover any other repairs or upgrades that will need to go into the property.

You will definitely come out of pocket WAY more with seller financing than with the lowest owner occupant loans.

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Quote from @Brett Jurgens: @Jay HurstThanks for responding3.75%, 30yr fixedLike others have said, with that interest rate your best bet is probably to do a home equity line of credit (HELOC) to put towards an investment that you can quickly recoup your initial investment on.