There are lots of reasons why the person isn't getting a loan even though they have that much cash: could be maxed on the number of loans (10 usually). credit issues, contractor (1099) employment, etc  It can sometimes help if the buyer can provide a credit report to make the seller feel more comfortable.Good luck and welcome to BP!

Are there other options you offer, like a third party option for paying with credit ie (paypal) or a direct bank draft from a checking or savings- looking for ideas/options

I have a few goals as of now, and I wanted to start off with wholesaling because of the lack of credit and capital.

Hi All,My offer was accepted but the seller has a C of O (done 18 months ago) that is not transferable and will not give credit for a new one and is not negotiating. 

This is derived from a model developed by the credit industry and would include homeowners who are just over-stretched with high mortgage and not enough income.

Those that are tend to keep their cards close to their chest.

Hypothetically, as a builder / developer, would you pay a slight premium for property that has the federal historic tax credit of 20%, a state historic tax credit of 25% and a city empty building tax credit of 25% - capped at $500,000, as well as a dense mixed use approved PUD, and a tentative $5 mil TIF district for the site?

try to  get an idea  what lender (s)  has  made loans in the complex in the past few years and then contact them ...you might also  check with the smaller  to mid size banks and credit unions in  the  condos  area  as they may not be as concerned with this issue

I have already gone through the credit, income, and background check process.

Yet credit cycles are still hugely destabilising.”