Now the prospective tenant claims Trans Union is not allowing their credit report to be released.

I wanted to propose taking the property off their hands as follows: I'll bring the mortgage current, which will save their credit.

The problem is how to make a homeowner feel secure that I won't flake out on the mortgage payments in the future, thus damaging her credit.

I never trust prior landlord reference, if the credit, income, background checks out I accept.

Lawsuit pending. 2018 Increased awareness of disparate impact of criminal history screening Fair Chance Housing Ordinance SMC 14.09.025 disallows use of criminal records in the screening process.

Now with regards to a lender...your best bet is going to be a local community bank and/or credit union.

If you are only flipping a handful of houses a year, you can probably get by with a spreadsheet, but here are some important items you need to track/consider for tax season & business management:Tracking Project Expenses & Revenues to calculate your project Net ProfitTracking Assets/LiabilitiesProfit & Loss Statements showing Profitability of each projectTracking how much you paid each vendor/contractor for filing Annual 1099sActual vs Budget Tracking so you can see what repairs were over/under budgetBank reconciliation to make sure your accounting books match your bank statementsProvides a history of the business, so you can track financial progress or pull past financials in case of an Audit

If so, I'd recommend calling more local banks and credit unions. 

My impression is that the most "typical" range is from 40/60 to 60/40 and this would fall towards the higher end (and may well be justified as the sponsor has a solid history of successful projects).

I explained to my tenants that if they did not pay for rent and damages I would sue them, and a judgment would not only trash their credit but allow me to garnish wages.