With 20% down you should absolutely be able to find a 30 year fixed rate....although, I don't know your financial/credit situation...but getting a 30 year fixed rate, especially early on, will help you qualify for more deals in the future. 

Consequently, we have a harder time finding renters in those areas as we apply our same pre-qualifications standards to those units (Income 3x or more the rent; no previous evictions; avg. credit score of 600 or better).

You won the eviction and got a judgment which will ruin his credit.

There are lots of reasons why the person isn't getting a loan even though they have that much cash: could be maxed on the number of loans (10 usually). credit issues, contractor (1099) employment, etc  It can sometimes help if the buyer can provide a credit report to make the seller feel more comfortable.Good luck and welcome to BP!

Are there other options you offer, like a third party option for paying with credit ie (paypal) or a direct bank draft from a checking or savings- looking for ideas/options

I have a few goals as of now, and I wanted to start off with wholesaling because of the lack of credit and capital.

Hi All,My offer was accepted but the seller has a C of O (done 18 months ago) that is not transferable and will not give credit for a new one and is not negotiating. 

This is derived from a model developed by the credit industry and would include homeowners who are just over-stretched with high mortgage and not enough income.

Does this sound predatory or fraudulent? 

Hypothetically, as a builder / developer, would you pay a slight premium for property that has the federal historic tax credit of 20%, a state historic tax credit of 25% and a city empty building tax credit of 25% - capped at $500,000, as well as a dense mixed use approved PUD, and a tentative $5 mil TIF district for the site?