Does anyone have suggestions on which bank(s) or credit union(s) will loan on a home(s) for  $45,000 or under? 

I had a terrible PM when i first bought my place.

I have a client that has a great credit score and several assets looking to buy a duplex.

Fundamentally though the price increases are driven largely by inventory shortage, not risky mortgage lending practices so there's no reason to expect that the next credit crisis will stem from the housing market though it will no doubt be affected. 

It will make it easier to (A) leverage your credit history from Canada into the US (only works on single family) and (B) easy to move money between US and Canada.Happy to answer any other questions you might have.

My local credit union is too rigid.Any advice?

@Troy Ramey made some excellent points, I would also add that you should look into the 3% down payment conventional loan options, as they are typically much better loans for people with decent credit than FHA loans are.

I am aware of credit cards but hard money and gap money lenders both require the same thing.

Allegedly she is "loaded", has great credit, and owns a number of properties out of state.

My concerns are I am currently working on my credit (low 600 Fico), I have limited savings and the house is in need of renovations to bring it up to date.