But there is another issue here... not all "scores" are created equal... you need to check the score that banks are actually using, for the product you are trying to get.

Are there any products out there that I can install so closets/doors cannot be slammed?

When you start doing that on a regular basis (recommended every 30 days), your scores will start rising.Then, you can truly make good real estate deals--from a position of credit strength--and save yourself a lot of money you would have paid out because of your poor credit rating.

You would need to refi into a conventional product.

I see many builders and rehabbers hitting occasional home runs and they don't give away the finished product but sell it at market value.  

I would like to borrow money from his equity(and he would be ok with this too) but he could not get approved for a cash out refi or line of credit due to his now very poor credit.

A 203K is a mortgage product.

I apologize if any of my irritation over the opaqueness of that detail was poorly received.

This morning my associate told me in today's age you make money by selling a product or service today.  

100% here could just be a marketers way of saying no out of pocket expense. 100% LTV by a HML is rare but a product an investor could certainly use.