Maybe you don't yet have the 15% down but compare this approach to interest and fee costs of hard money lenders that can be from 8% to 15% around the country to this approach.

The mall is still eye soar which was brought down due to the area wasn't really helping much.

I dont know if they'll accept an appraisal value based on income approach instead of sales comp approach but if you want me to send you the banker's info and you can ask her, then DM your email address to me. 

That is a practical approach but I feel at the time the other two are being uncooperative and unwilling to do what is advantageous.

Unfortunately, my student loans have crippled my credit score and now I am approaching 30 and have credit below 550.

Hi,I was approached by a realtor/broker that also buys/flips and wholesales properties and he offered me a deal where I would earn 15% return on a property he is going to rehab and flip.  

Does anyone have experience with this or any advice on how I should approach individuals.

Usually they will search for apartment brokers or commercial real estate brokers that specialize in apartments  so you're going to need to approach it from that angle.The most effective method to find off market deals is to call the owners directly.

A very good friend brought a realtor who specializes in this type of project, her buyer had been working on this for several years and fell through and so we were able to step in after most of the water rights were secured.

When you first started, how did you approach homeowners, what did you say?