@Zachary GwinWhile it is unlikely that you will get conventional financing through a bank, you may be able to secure some hard money, if the deal is good enough.

Just good enough to move in.

Is the offer price you submitted a good enough price to make this deal work?

What has been your recipe for defeating the inner Parasite that says you aren't good enough, experienced enough, smart enough?  

However, I do not want to pay for something that I might not need (in case I don't receive a good enough offer and keep the home).Any input and advice will be appreciated.

Does the bank need proof of income or is showing that we have made every payment to the owner for the last 2-3 years good enough? 

If you have good enough reasons why you should do the deal, the how can be made to happen.

Do the math for yourself I have, Leverage built the pyramid's its good enough for me. 

My accountant said just one tax return is good enough, even if it's just for a three or four months. 

Also, negotiate with the lender that it be a non-recourse loan IF you find a good enough deal.I've borrowed nearly a million bucks in hard money since 2012 and it was a great way to get rolling but working with the right lender is key!