Has anyone used them and are they legit.I spoke with them they offered 100% financing if you pay them 3900.00 first to become part of there group with no guarantee that you will be funded

They offered assurances as to their high level of confidence in the applicant, but have provided any other info on the tenant.

1) have a building inspector come out and see if your shower answer is legal, proper, and common. 2) if so, and there’s no other reasonable cure lower their rent for the inconvenience, offer to let them out of the lease?

If it is legit any legit lender/broker should know about the program and be able to verify if it is legit.One way to ell a scam is to see if everyone else offers something close.

If he would just be doing the rehab work on the house (I am the money, property finder, everything else in the process) would you think it would be OK to offer a 60/40 split or 55/45?

We offer a full range of products for conventional, government (FHA) jumbo. 

I want to offer me purchasing their home  but I dont want to go the bank route because I can't afford to put a downpayment more than 50k & have a mortgage of 7k.  

Whether leveraging from the start or using cash with a refinancing strategy, both approaches offer advantages based on your financial goals and risk tolerance.

What was the specific reason for the loan denial? 

EmoryYes- you want to separate the two investments and add the two values together for an offer price.