I've had a few units where the departing tenants were extremely cooperative and neat, and had the places rented before they left.

For my situation I ended up having a in person meeting with my inspector, his boss and a guy from the permit department.

Perhaps you could consult with someone at the bank from their REO department.

Particularly in the reluctant spouse department hehe.

So she called the credit department and spoke to a very rude and unwilling agent, so she asked to speak to the supervisor.

Banks also offer unsecured installment loans.3) Avoid Department Store credit cards.

A friend of mine runs the property management department for a large apartment chain.

Some Departments of Real Estate (Notably Ohio) have taken aim at unlicensed wholesalers because of the confusion that they bring to the marketplace.  

He was one of the recommendations I got from an architect I used before and a water and sewer guy at the city department.

He can likely answer your questions, but be ready to keep pushing and asking.Sometimes an initial "no" just means you need to keep digging.http://www.austintexas.gov/department/development-assistance-center