So I feel it's definitely a limiting factor to a sale.I feel like I'd be narrowing down my possibilities of a successful transaction telling the seller I'll cover it and expect a unrepresented buyer working on their credit to bring a huge EMD, Purchase Option, and/or pay elevated rent. 

So how can I do this given their credit/finances are a mess and could take some time to fix, if they ever do. 1.

Then pay off the line of credit and be ready to do it again on the next deal. 

In this case, you'll have to track down the owners either by phone or mail.

The other thing I just found out was she’s been evicted before and I can track down who the attorney was, do you think 1).

Then track it as it sells.

Hi BP,I recently talked with an investor who buys houses for people looking to do a rent to own and collects 10-15% down, charges market rent (none is credited towards the purchase price), and marks it up about 15-25k depending on the price he bought it at.

I work a full time job and a part time job and have good credit.

Only really need one deal some require more. 3.5% origination fee, 9 to 12 points also depends on credit.

With 20% down you should absolutely be able to find a 30 year fixed rate....although, I don't know your financial/credit situation...but getting a 30 year fixed rate, especially early on, will help you qualify for more deals in the future.