At that time he'd like to sell and is willing to credit all of the rent paid as a part of the down payment. 

They have only sent a finance estimate with rate, term etc from their credit department. 

I'm not sure if they will in Hawaii, but look up Pen Fed Credit Union.

Property Management Certificatation (PMC) and the Property Management Master (PMM) then you’ll have a designation which will give you more credit and experience going into it, plus you can add that to your list of designations with your real estate license and career.

So 1 of my referrals, who is a banker, is looking for a non traditional lender who can financed a borrower with a not-so-great credit scores. 

They also have the option for the tenant to have their payments reported to the credit bureaus which is great for the tenant who wants to build their credit. 

This is my first investment property; up to this point I was all about investing in the stock market but I saw the light after reading Rich Dad Poor Dad!  

Well, maybe California....but I'm too poor for that.

GC is super simple  .the great thing about developers is no test no school just need good enough credit to get a bond and insurance.( which of course keeps many out of the game )))

If you don't have the receipts but used a credit or debit card the company/ store you bought the materials from should be able to look up the receipt for you.