If nothing else, it would show the tenant you are taking their concerns seriously.I would also do a search on the property history;   it's very possible the tenants did this as well, and uncovered something disturbing about the house that is the root of this.  

I have a client that has a great credit score and several assets looking to buy a duplex.

Fundamentally though the price increases are driven largely by inventory shortage, not risky mortgage lending practices so there's no reason to expect that the next credit crisis will stem from the housing market though it will no doubt be affected. 

It will make it easier to (A) leverage your credit history from Canada into the US (only works on single family) and (B) easy to move money between US and Canada.Happy to answer any other questions you might have.

Get the money, then the deal, then scale up... and use your experience/history to validate yourself as someone proven they can do it.

My local credit union is too rigid.Any advice?

@Troy Ramey made some excellent points, I would also add that you should look into the 3% down payment conventional loan options, as they are typically much better loans for people with decent credit than FHA loans are.

I am aware of credit cards but hard money and gap money lenders both require the same thing.

Allegedly she is "loaded", has great credit, and owns a number of properties out of state.

My concerns are I am currently working on my credit (low 600 Fico), I have limited savings and the house is in need of renovations to bring it up to date.