They offer quality educational opportunities and have sub-group meetings that are location and niche specific.

Can't get past customer service representative!

Only stuff I plan to sub out are the roof/gutters/soffits and some or all of the basement stuff.

Unfortunately the answer is most likely no due to the current anti money laundering and customer due diligence laws for the banking industry.

So now, I start with $10,000 as a baseline for a typical rehab in my area (which would include the basic stuff, carrying costs, closing costs, new flooring, replacing some doors, some basic plumbing and electrical repair, painting throughout, minor repairs to sub-floor, appliances, etc).

I don't have this problem as I don't have this many mortgages (or any sub to's to be honest) but it does seem like there could be a difficulty down the road.

@Ankit Duggal , What is attacking me to Rochester is that there are properties priced sub 50k which I like for two reasons, 1] cheaper purchase prices means I could invest with less of my own money while still getting a 30yr fixed loan, and 2] if everything goes wrong that could it's cheap enough where I could [with the help of family] purchase it outright and not risk foreclosure.

Reminds me of the telephone phone trees.... where the customer in exasperation finally cries out for "Live Person!"

Offer options for that owner: cash offer, sub-to, conventional?  

Just make an offer on a sub-2 basis or seller financed, the Realtor will get paid at closing.