The T/B only has to fill out a 1 page credit application.You might want to get an application from your broker and have your T/Bs fill out all of their info in one go so he doesn't have to keep going back with questions.If the T/Bs are dragging their feet maybe they're not the right fit.

She hasn’t recently bought used furniture or clothing and she doesn’t interact with or own any pets.

Doesn't mean you need a commitment upfront, but you should have a list of potential financing options/people you can go to as soon as you get a deal under contract.

The clause doesn't specify a reason.

@Markise Rogers, no that doesn't help.

So if you pay 85k you need to get 1400 a month rent and I am sure it doesn't rent for that and that is the five year cost to rent. 

And each buyer in turn will spend way more than necessary on due diligence until a sucker who doesn't perform due diligence comes along and buys this property worth way less than it appears.I'm wondering if the Real Estate Commissions in the involved states (NJ for the property, CA for the auction company) allow this kind of non-disclosure?

Like @Russell Brazil said, mitigate the risk of winter vacancy by expecting it to happen and that way if it doesn't you are that much richer and happier.

Marketable title is title that doesn't have material defects... and as such the buyer cannot claim there is a title problem and refuse to close. 

Flipping often doesn't require credit, many hard money lenders don't look at credit.