I ruin their credit and don't get my money.

@Steve Fitzgerald  We do normally ask for a credit repair, the seller will see the sales price higher and the agent will not have reduced he/she commission 

What other methods are investors using to find Rent to Own buyers who have cash but need time to fix their credit? 

Frankly, I'd give priority to a pre-approval where the lender has pulled the borrowers credit and reviewed pay stubs, tax returns, W2s and bank statements.  

In the Mortgage and Rental Industries, anything negative that has to do with prior housing  stands out like on the Credit Report like a Neon Sign with arrows pointing at it!

The reason why I got commercial financing was because the places weren't immediately livable (missing kitchen, bathroom etc) and conventional lenders wouldn't lend on the property.Note even though they're commercial, at least for me, about the same application process as a conventional loan: full doc, credit pull, personal guarantee.   

The HELOC sounds like it's cheap, interest only, makes your credit score better.

I don't have a ton of money to start but I could get a VA loan and a line of credit to do any rehab.

I do not have the net worth or credit that bankers I’ve spoken to require.

Ask basic questions - income, credit, pets, nonsmoking or not.