Has anyone invested with or performed any due diligence on Vintage Capital aprivate Credit fund offering? 

If the assessed value is really low (this will be the case with very distressed properties or very distressed areas) you may want to figure the deal at 2% of 90% of ARV as the assessment will likely go up in the next year or two.

These Buyers don’t have the best credit but they have cash for down payments, and make monthly payments. 

Atypical for a rental referral as its a low margin fee but you would route it with another landlord. 

Be extremely conservative - assume very low rent growth, very low appreciation, and fairly stagnant interest rates, meaning minimal opportunity to increase cash flow through a refinance. 

I've almost hit 2 years job experience for a conventional loan, I have qualifying credit, I've made good contacts with realtors and lenders from my Admin Assistant job in the loan world, and I've saved up enough cash for 3.5% down for SoCal SFR pricing (not enough for closing cost or commissions yet).

I am encountering roadblocks when it comes to our credit score (mine is good / his is crap), experience with flipping (I have no experience / he has 22 years of flipping experience) and the amount of cash liquidity that some of the hard money lenders want is still on the high end especially starting out.

Preferably with low fees?

Speak to your local, smaller bank or credit union, preferably a portfolio lender. 

It was only 2 years old and was very low maintenance, which was perfect for our lifestyle at the time.