Your lender definitely should be able to count the 75%- I'm in Arlington and would be happy to connect you with my awesome lender who has been able to do all kinds of creative options to get to yes for me.

The tip about ensuring the agents and loan officers are active on here are both prudent and wise. 

You might need legal advice to ensure this process goes as smoothly as possible.

I see a disservice being provided in the given example by the real estate agent by not bringing creative strategies on both the sellers and buyers position on this particular deal.

Curious to hear any creative approaches that have worked in today's market.ARV and future value are speculative so when I am looking at property I am looking at it for longer term - does it fit within my strategy based on conservative estimates.

I'll focus on maintaining the property and optimizing rent increases to ensure consistent returns over the years.

(Cash Flow is my goal) Pros/cons, other creative ideas?

The ROI is attractive at 16%, but ensure ARV aligns with recent comps given market trends. 

Something super creative and crazy?

When I discover I can't build a house on it, I usually move on to the next deal without thinking about an alternative use but I like your creativity and will start thinking about alternative uses!