Most banks won't want to come in with a line of credit that is second lien on the property.

We would all love to have that note that has 5 years of perfect payments, 800+ credit score and a 20-25% down payment. 

Of course a member shouldn't conduct business with another member without doing their due diligence, but there is no reason why that can't be done privately.I personally know two women that were stalked because of their open membership on an internet forum. 

Of course, there is the lifestyle aspect.

@Andrew Self there are attornies you can hire to resolve your credit issues.

Flat Fee MLS Brokers for sellers have been around for a long time, but Flat Fee Broker/Agents for buyers with a cash credit/rebate of the buyer agent commission are quite new and just starting to get some market share.

TIA Bruce Kirsch has a great course on underwriting.

And of course, if your actual cash value is less than the current mortgage(s) on the property, all of the cash value payment will go to the lenders. 

I definitely would recommend each of them - very resourceful and of course, investor-friendly.

Monty, take a small amount of time to work on your credit daily.