It sounds like the Title Co. was not aware that the tenant prepaid rent and just prorated the current rent for the month of closing, so agree if they had no knowledge of it, would not have ever gone on the settlement statement as a credit to the buyer and they likely will not do anything post closing to help obtain those funds. 

I have them process credit card payments.

depends on your credit if you can get a mortgage or your ability to find good deals that you use hard money for and then refinance into DSRC.  

@Kyle TrotmanI would suggest speaking to local banks, and credit unions.

@Vijay Singh SambasivamI would suggest speaking to local banks, and credit unions.

The mortgage will also stay on the seller's credit which might create an issue when/if they try to purchase another property.

I was working with a local credit union who pulled out at the last minute.

I've found this to be super helpful: When someone inquires about the property Thank them and Send them the pre-requirements (Income, credit, no evictions) and ask if they meet them.

But just hating on wholesaling in a wholesaling forum is so unbelievably pointless. its not dead per se  but it is starting to be regulated as it should.. oregon just passed their version. where to wholesale you now need a license and over site by the RE commission.. along with criminal back ground and a BOND.. and as we know not everyone can pass either of those with the bond being the tough one if you have bad credit your not getting a bond.

In our opinion, Class C tenants have FICO scores from 550 to 600 - where their chance of default/nonpayment is 15-22%.