unfortunately i have yet to find a mechanic that can or is willing to leave his shop for the amount of time required to come along and inspect the car and i cant imagine what they would charge for such a service. they also wouldnt have access to a hoist which is necessary to do a proper inspection. obviously the price of that would be redundant compared to the amount of money i have lost but i have also been in situations where i have arrived to test drive the car only to find out it has been sold when i got there. im sure a mechanic wouldnt appreciate the wild goose chase and i would still be on the hook for his fee despite never inspecting the car. also i dont have a mechanic that i trust. i dont have anyone that i know and trust that is selling a car and even if i did that doesnt guarantee that it would be a worthwhile purchase either and i definitely can not afford to buy new other wise i wouldnt be making this thread. i have considered and test drove vehicles from dealerships but they are pretty explicit about the fact that the car comes with no promises or guarantees and is being sold as is with no responsibility for the condition of the vehicle once i drive away. also from what i have come to understand after speaking to a mechanic a car can technically be certified even with a seized engine which i found mind blowing so even trying to only purchase vehicles with a valid safety i could still end up getting screwed. which incidentally has happened on the last purchase. the car came certified but also had a blown head gasket.
You seem to have unrealistic expectations.
You seem to think that you should be able to buy a used car which is out of warranty (by your description, though you have not explicitly stated it) and have someone take the heat for you if it should turn out there is a problem with the car. Any problem.
Here's the deal with buying a used car.
1. If it is still in the warranty period, you can transfer the warranty to your name.
2. If it is not still in the warranty period, it's not under warranty. End of story. No mechanic, no used car dealer is going to offer you some sort of guarantee that the car won't have problems either at the time of purchase, or down the road. A mechanic can't talk to the car, he an only inspect it and look for obvious problems that he can see or hear or feel if he drives the car. He has no idea what is going on inside the engine, transmission, or electrical components, etc. For all he can tell, the rod bearings could be on death's doorstep due to lack of oil pressure.
3. All used cars must receive a safety certification by a mechanic in order for you to transfer the ownership to your name. Your mechanic is correct. He can certify a vehicle with a seized engine. I don't know why you find that mind blowing. He's certifying that the car is safe. Not that it is good on all fronts. A car with a seized engine is completely safe. In fact, it's the safest car because all it can do is sit in a parking lot. A safety certification means that the brakes are all good, the parking brake works, the seat belts work, the suspension is in fair condition, the exhaust system is intact, the windshield wipers work, the lights work, air bags work, etc. etc. etc. All safety systems on the car must be operational and in correct order. It has NOTHING to do with the car having no issues. That's your problem. You're buying a used car. You have 30 days from the time he signs that safety certificate that the car remains "safe" to drive. If in the 30 day period the brakes fail, he's supposed to fix the brakes. (Back in the day when I used to be broke-assed, I had fellow gear heads who I would go to to safety a load and I would get a certificate dated 3 days before the current date. But I would take that load and fix all the bullshit problems up myself.)
You have received the best advice from Yomero above. Buy a new car.