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.

She can afford it , I am sure she can find the money for cable tv and internet .  

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. 

Specifically, criminal background checks, credit scores, rental history, etc.

If I were to take this deal since it will barley cash flow if anything is get credit insurance to guarantee me income and use the property for equity growth and a tax write off