What do you do with a potential buyer that has good income but poor credit?  You create a lease/purchase arrangement then flip the property to a Real Estate Investor who wants income producing properties.  You sell the property to the REI through conventional mortgage or through seller financing.

Another option to this strategy is to create a lease purchase agreement, then refinance the mortgage to a non-owner occupied adjustable rate mortgage.  This allows you to maintain the income producing property while satisfying the outstanding debt on the property.

In either case, 4R Management has the ability to assist you the process.