So for example, a primary mortgage, secondary mortgage, and home equity line of credit would all transfer to the buyer?

Home Depot/Lowes? 

Some Type of partnership or a 50/50 LLC member ownership with his brother and can buy under that LLC because both of their credit scores are 700+, and 3.

Prices are ridiculously low.

What you get the money for from your lender based off your qualifications like credit and loan to value ratio, with no cost would be called "par" rate... and from there, you can either buy down to get a lower rate, or you can take a higher rate to get a credit applied to the cost of your loan by the lender.A par rate is simply the rate that you get without having to buy the rate down while also getting no lender credit.

If he owes a mortgage on it maybe the rate is low and you can buy the property “Subject to” the current mortgage (take over his low rate mortgage and pay him the balance with seller finance at 6% to save you some $$).

Other areas have county administrators, these admins are non-profits and they are usually engaged in other social activities, housing assistance, utility bill assistance, health and welfare matters, education, credit counseling, etc.

The latter will have higher interest rates whereas the former has a 2% interest at my local credit union. 

So, start from this fact, and then let's analyze why AI can't help you with lead generation, at least it can't help you improve the currently low efficiency of lead gen.If you can't target them, it truly doesn't matter what advanced methods you use to try to target them right?

My wife and I have jobs and our credit score is roughly 580.