You need about 25X annual expenses to become financially independent using traditional Wall Street style investment vehicles.  

I would pick whatever option results in the highest amount of cash for you and the smallest payment with no balloon.With the cash, you can buy foreclosures for example that may not qualify for any kind of traditional financing and it would likely give you the most amount of almost-instant equity.

Low credit score do to medical issues have kept me from going to traditional loan.

@Roy N. i will be using traditional financing through.  

@David PearsonA traditional mortgage is done under your own name.

I'm just an investor myself, not a traditional realtor.

Just explain to them that the cash offer is a transaction of convenience and it can be done very quickly and there are no inconveniences or hassles that are normally associated with the traditional transaction.

In Florida.Questions: How long do I have to season the deal to be able to get a traditional lending refinance?  

Or should I keep trying to do the traditional lending route?

For the last 2-3 years I was heavily involved in building my wealth by day trading and traditional equity investing.