The best advice is to try not to sell with a SCBN, but if you must to get the deal done, then the above would apply and takes extra planning. 

However, if it can be shown that it was sold to someone other than that, no commission is owed.In WA if the seller hires a second listing agent and it sells to someone who saw it through the first agent's advertising, they don't owe any extra commission.

Anyway, without a little more detail on why your credit isn't good, it's hard to push you in the right direction, and without some more detail on the condition of the foreclosure, recommendations are tough there too.If you've run the numbers though, and the buy is a slam dunk, grand slam, touchdown and extra point, you should be able to find hard money, but your rates will be exorbitant to cover for your borrowing history. 

Ensure you have an extra margin there if taxes and insur goes up.

We're able to rent out the main floor downstairs unit and it covers all of our mortgage plus a little extra.

How much people are willing to pay for that extra bedroom.

Anyone who spent the extra couple grand 40 years ago had $1 million in equity; the people saving $2k buy buying into a land lease situation ended up costing themselves $millions.  

Charge extra to cover power  / utilities. 

That being said he wants to give an extra $15k to first time homeowners and they want to keep giving away free money which will make these issues worse. 

they told us our courses were similar except we have extra hours so that we can write contracts.