One month the state didn't approve the funding and I didn't get my check until around the 20th of the month.

At the very least, the local title company should be helpful, I would think.I would expect you'd need to involve some type of transactional funding so you can do two transactions: foreclosure to you (auction sale), then sale to end buyer.

I'm currently working to rehab and add value to a duplex in SF, and then hoping to use that equity created to fund more REI.

I rolled all those funds into another flip I working on now which also came from a realtor and estimating a 30k profit. 

I know that the "traditional" way of doing real estate is to charge a commission and go about business, but many people who are limited on funds when selling their home need a few options.

Debt/Income, LTV, etc. 

In either case, does it make sense that someone would fund them 100% or even 90% for that matter. 

You can always refi if it appreciates or you recapture the principle to the standard 75% or 80% LTV. 

Credit Karma will let you get an approximation of what your credit score is.If you're looking to buy a property and can pay 10-20% of the loan as a down payment, then the lender will usually fund the rest.

Unfortunately, for investment properties, max LTV is 85% so it works a little better for owner occupied which can go to 95% LTV.