• Credit worthiness: Does the prospective tenant have good history of paying bills on time, and is their debt to income ratio low enough that they can afford your rent while meeting other obligations? 

It was a Bank foreclosure in 2005, bought it with 2 mortgages out of the gate, a first and a second mortgage, because we were not creditworthy of a home.

Typically when a borrower is less credit-worthy, they pay more to borrow.

-Tenant mix - buildings with a good mix of stable, creditworthy tenants will be seen as less risky and could sell for a higher price per sqft.

At the end of the day (and in hindsight) swaps are much more advantageous in this market, BUT require true credit worthiness.  

Maybe depends on value of the house and credit worthiness of the buyer.Also 1st lienholder may not allow, depends on who that lender is and what requirements they have. 

Are they credit-worthy?

However, the terms and feasibility of this would depend on the lender's policies, the property's cash flow, and your creditworthiness.

Hard money lenders typically focus on the property's value rather than the borrower's creditworthiness, which could be beneficial given your current Chapter 13 bankruptcy status.

Whenever I've done seller-financed deals, I've offered something a little more to the seller such as a higher down payment, higher interest rate, quick close, reduced contingencies etc. to sweeten the deal beyond a normal sale, and I've shown them proof of funds that I can pay off the property in cash, so that helps give them peace of mind that I'm a credit-worthy borrower.