On March 28th a mortgage lender checked my credit.

Most people don't use banks because either the property doesn't qualify for it (i.e. really bad shape) or they themselves don't qualify for it (high DTI, lack of W2, bad credit, etc). 

Hello, I was wondering has anyone had experience with companies that helps you to get Unsecured Business Credit?

That $1000 could either be refunded to us or credited on the next tax bill which we chose to do the credit. about a month later the lawyer who completed our transaction sends us an email saying the sellers lawyer knows that we ended up getting a tax credit and that it is owed to the sellers, and that they would take legal action if we didn't refund it. basically my question is how does this usually work out, are they entitled only to a prorated amount of it, are they even entitled to any of it?

He doesn't know his credit score and hasn't used it for anything in years, didn't ever plan to, he buys cars, pays rent, and everything else in cash. 

Examples of such nondeductible fees are credit report fees, loan origination fees, and appraisal fees.3) which expenses, if any, from the latest refinance in 2012 can be added to the cost basis or amortized?

FHA yes .. but two loans no money down bad fico no have not seen that.that product is needed in certain markets like in MS the average credit score is 600 you need some version of sub prime other wise half the state will never own a home and probably 70% of the state.

Credit score and down payment.

I'd advise pulling credit and checking background even on the tenant you plan to renew - letting them know it is required to have on file for all tenants of your company (even if already present at purchase), including SS# & DL copy. 

It took some convincing and showing them that I had the ability to put the 20% down and strong credit if the FHA fell through for some reason.