The only way to wrap closing costs into the loan when purchasing a property would be to ask the seller to give you a credit - 2% for investment purchases. 

I was using smart move online form which gets the background on criminal, credit and income information from the tenant.

If you have good credit and a down payment, all the better.I have financed many properties both directions without problems.

Tell him you have a 900 credit score and I’m sure he will say that’s great.

Then there’s also accountants, attorneys, and credit repair specialists who work with individuals with issues that prevent them from getting a mortgage. 

Thanks,KevinGet preapproved (when you think you're ready to buy) by a lender or mortgage broker that does either FHA or Home Possible (depending on how much you can put down) and then find a Realtor that specializes in investor properties and units.Welcome to BPStephanie 

@Theodore Arzt Did you complete a full credit, criminal, eviction check on the applicant?

Divorce can absolutely slay the credit of decent people. 

They may also not have the credit to get a refi done. 

Like business credit for startups, personal loans for the self employed, and so many other unique financing options.