this means that these owners are under much less pressure to sell, and so they don't really care that their price won't let the property be a good rental. 

No problem with down payment but will need conventional load which is not a problem as I have been pre approved many times just did not find right property.

Some gurus tell practicioners of sub-to to hide transaction from the lender by saying the lender doesn't care as long as the payments are being made.

Great news, finding the right lender can solve the FHA or conventional problem.

Conventional mortgage with 20% down How did you add value to the deal?

Start by building a solid team, analyzing deals carefully, and making your first purchase to test and refine your strategy.Good luck!

Some investors think that just because they are section 8 they don’t care where they live, they just want a roof over their head.  

My CPA takes care of the 1098s.  

 - Fannie/Freddie (f/f) residential conventional loan is the cheapest money available.  

There seems to be a lack of due diligence before properties are listed, and when questioned about the discrepancies between advertised and actual returns, the responsibility is often shifted to third parties.While it is true that there are properties within their portfolio that do cash flow, finding these requires careful due diligence on the part of the investor—just like any investment.