Probably try a place like sofi or a pawn store or hard money lender Unless your credit is shot.

If you paid with a credit card copy the record in your credit card statement. 

Your credit is great and your income is fine but due to the smaller loan amount the state won't let me approve it based on its current guidelines (not a Quicken rule).This is disappointing.

Your credit is great and your income is fine but due to the smaller loan amount the state won't let me approve it based on its current guidelines (not a Quicken rule).This is disappointing.

Your credit is great and your income is fine but due to the smaller loan amount the state won't let me approve it based on its current guidelines (not a Quicken rule).This is disappointing.

I don’t mind doing my own due diligence but if the wholesaler is so far out of alignment with reality (in my estimation anyway) then creditability flys out of the window.

Also, I believe Langley Federal Credit Union will do 95% (that's what they told me over the phone but I never went farther then that).

You could try a personal loan from a bank, a line of credit or just sell it.

I'm looking to refinance the property but got denied for a conventional loan due to my credit score not being up to par.

The good thing about Owner Financing is much more negotiable than a conventional loan and is typically approved by the project and not your personal credit.