Fremont, Union City).  

He was already in another house that he plans on staying in for a long time, so he did not care about a bad credit score for a while.Sorry, I cant remember how to do the "@" thing

What is the FICO score of the borrower?

I'm going for a meeting with a mortgage broker in the Seattle area this week and from what I understand It should be easy for me to get a loan. 1.Credit score over 7602.Household income over $100k net3.No debt4.Between me and the wife about $100k in assets 5.$35k Cash for downpayment  We are looking to spend max $300k on a house, any idea on the APR to expect for a 30year conventional loan in Seattle,WA. 

I was kind of leaning going with bank financing but thought I would ask others who have possibly done creative financing and may see an opportunity that I do not.My 3 properties have all been done via banks or credit unions thus far.

They hopefully have a good credit score.

I plan on selling this place during the summer of 2015 and will need a replacement home to do a live in flip with.My credit score is around 760.I have a considerable amount of construction experience.Currently I earn around $75K a year.I live in Riverside County, CAI also have a real estate salespersons license.Plan ASo on to the question, I can go the easy, although from what I have read, the more risky rout and buy a home or contract from a wholesaler.

You need to call around for banks and credit unions who will do HELOCs for non-owner occupieds.

Based in my initial research, it appears that Washington is in fact the only state in the union which forbids wholesalers to work with owner occupied, but I thought I would reach out to the Bigger Pockets community for confirmation.

Just define your the requirements you are comfortable with; credit score, criminal backgrounds, level of income, length of time at current job, etc. and stick to those.