The bank might agree but also require the personal guarantee from the original borrower stays if there is one.

You just posted the  rules, yes if you can show a legitimate business connection where the information is critical to underwriting in the business transaction you can pull credit without consent of any kind by the borrower!!!!!!!! 

Here are a few ideas to kick around:Have borrower get a co-signer, or more specifically, a co-guarantor with property with equity that gets added as additional collateral.Sweeten deal by getting additional collateral like auto, truck, inheritance, anything.If you are concerned about her performance, negotiate a contract for option.

I recently got in contract on a wholesale deal with a partner for a beautiful Victorian duplex in West Oakland, that I plan on buying 50/50 with another BP investor, where I am borrowing the majority of the capital at a tiered rate for the low-LTV and high-LTV portion.

The borrower draws when they need money and pay down both principal and interest monthly - If they need more money they draw again.I've approved maybe 1 in 12 700 FICO borrowers.  

To get the property in cash, I essentially have to borrow the funds from my father and borrow the renovation funds from my father.

Instead, you (borrower) give them a mortgage or deed of trust. 

Basically I borrowed 100% of the purchase and rehab then I refinanced right away to pay back my private lender. 

And from what I can tell, I will need to get a letter of authorization from the borrowers to discuss the mortgage (which I am certain the borrowers would gladly sign).

For now I intend to pay cash because it seems too expensive to borrow in the States for a foreigner.