Ultimately, it depends on your credit score/history and your investment situation.

Im 25 now, pinching pennies and paying off debt to reduce my DTI ratio and increase my credit score.

A third option could be to ask to lower the price/for a credit due to the repair $ and vacancy cost that i would potentially now immediately incur.Thanks for all your help!!

Hey everyone I am fairly new to the BP community and investing however I have loved real estate ever since I was a kid.I have worked as a marketing consultant for a new home developer here in the SF Bay Area.I am looking to do some VA work for investors to learn more about this side of the industry.Any tips on how to go about getting the first few clients? 

If you search on the top right section of the BP page "screen tenants", there a good number of articles by other BP members.1 really good article by Joseph Scorese on 10 tips on how to hire a contractor for your house flip is great.https://www.biggerpockets.com/blogs/1493/48088-10-...

I have been through 4 banks, 2 credit unions, and 2 mortgage brokers now and none of them will allow the seller to carry. 

It just seems uncanny that the credit union has better rates and better terms.

My credit is good. 

Any tips on how I should write an email convincing them to sell, or at least preview their home without sounding offensive?   

I got a conventional loan with 5% down, 30yr and took a 4.25% vs a 3.75% to receive about 2500 back in lender credits on my down payment.