Your credit is great and your income is fine but due to the smaller loan amount the state won't let me approve it based on its current guidelines (not a Quicken rule).This is disappointing.

I don’t mind doing my own due diligence but if the wholesaler is so far out of alignment with reality (in my estimation anyway) then creditability flys out of the window.

Also, I believe Langley Federal Credit Union will do 95% (that's what they told me over the phone but I never went farther then that).

You could try a personal loan from a bank, a line of credit or just sell it.

I'm looking to refinance the property but got denied for a conventional loan due to my credit score not being up to par.

The good thing about Owner Financing is much more negotiable than a conventional loan and is typically approved by the project and not your personal credit. 

Specifically, criminal background checks, credit scores, rental history, etc.

If I were to take this deal since it will barley cash flow if anything is get credit insurance to guarantee me income and use the property for equity growth and a tax write off

The house is in NJ.I  would need to do the background/ criminal and credit check for the new tenant.

Shop around to your local credit unions and small banks.