She is the only applicant but we did require that anyone over the age 18 get a background and credit check.

They can allow you to pull their credit by unfreezing their reports temporarily. 

I have great credit and work history, but no money.

I used Houserie for credit and criminal background checks.

Can I be refused REFI because of credit score even if I am current on my payments and have enough equity?

Multiple offers at the same price and an appraiser won't support the price.Full story:Flipped 1827 Hepler Dr, Warsaw, IN (look it and how beautiful it is...)Listed 154,900 Under contract at 150K within a week and half after many showings and a different offer from a buyer without real credit approval. 

I know in our area here.. most realtors simply are not going to work with contracts that don't have POF's  they have trained their sellers that its a waste of time to work with any contract that does not have POF>and not just mail order internet POFs must be from local reputable lender that they can verify..

All great ideas....The only additional piece of information,  is that Florida is a legislative state and everything here takes a long time to run through the process of short sale or foreclose.My goals is find a way to help these people save what is left of their credit and make a sale.   

My current tenant is very solid with way north of 3x income to rent and fairly clean credit but had to move for a job.  

You need specific numbers for credit score, income, etc.