The broker should be able to pre-qualify the borrower with regard to requirements such as minimum credit score and establish borrower income level. 

The issue here is two-fold; Not many lenders want to loan such a small amount and my credit score is ugly. 

Im currectly rebuilding my credit which was pretty bad but iam slowly catching everything up but still at rounghly a 570 credit score.

I wish all tenants, had background checks, all tenants had perfect credit scores and no one had pets. 

When I asked him if he ever received a letter "we buy houses cash"... he said no.... he never did in many years.I was surprised and thought... maybe there are good opportunities.... vacation homes are typically the first ones someone wants to sell when is distressed and have lesser sentimental value for the owner and typically have some equity (as traditional financing asks for bigger down payments to get a mortgage for vacation homes then residence)Can you share your experience buying under priced houses on vacation places (beach or ski resorts)? 

Add to that they now risk base score appraisals 1-5 on a computer database filled with information on neighborhoods etc.  

Home Depots stuff is lesser quality then your plumbing shop will stock.

A lender generally pulls a tri-merge credit report from Equifax, Experian, and Trans Union.Usually they take the middle score as a baseline.

I think with your fico score, it's probably not the best deal you can get , point's wise.

Word of advice instead of having him pull your credit, pull it yourself and get your scores online for $29 and it won't affect your credit rating..