We are using a HELOC for the purchase and I am skulking around for decent 0% interest credit cards that still have rewards. 

I have strong personal credit but right now our cash is not adequate to use a large down payment to try and possibly offset lack of credit within an LLC or corporation.

Rich Dad Poor Dad has sent many people down the rabbit hole... and it only goes deeper from here!

It is better to do a deal than skip one just because the dollar amount for financing is high.Good luck in your search and know that if the numbers make sense, you have made the right choice.ya know I would have agreed with this pre 08  but these days most HML want good credit  and proof of cash reserves and cash down.. for inexperienced first time type buyers they may not even do one.. unless you have massive down and cash backing you up.. it gets very easy when your have a nice track record.. but most HML are not little down crappy credit no provable income.  

Your $10K down-payment also needs to be reflected in the Lease-Option Contract as being credited towards the $125K purchase price.

One guy has a great credit score, but recebtly lost his job after 12 years with his company.

Any private lenders out there that can do something like this?

I've read a number of threads with a lot of pros and cons to both but several threads mentioned they ended up with 5 yr term etc .. rather than a 30 year term.We have a great local credit union to work with that is easy to work with and has great rates.

Certainly, if you haven't read Rich Dad, Poor Dad yet, I would start there.

I even tried withdrawing some credit from the Bank of Mom, but alas, the bank was tapped out and the best I could muster was about $2,000.