@Alan Asriants Since you already received your decision,  I assume you selected the non oral hearing option?

Open to out of state investing, non real estate etc?

So, a BUYER that needs owner financing...what if they just used "non-traditional financing"?

Unless those items are all satisfied (except for housing violations and some non-monetary liens which follow the property), the department of finance will not allow the deed to pass through to the next stop in the recording process.So even if you wanted to dump a property that was totally upside down with liens to someone who was willing to take it from you, you can't do it.

If you are looking to fix and flip, just make sure you look for a 12 month term, non-dutch interest on the rehab funds (this means you do not pay interest on the rehab money until you use it), no prepayment penalty, and avoid any lenders that escrow your payments at closing.

It might help you avoid penalties if the IRS goes after you later.You can claim the labor expenses even without 1099s, but you will technically be in non-compliance.

However, every company I find either doesn't insure non-owner occupied units or is extremely expensive.

@Mary LopezThere are second tier lenders out there (non-banks) that will do small balance commercial. 

My background involves social work & non-profit management before getting into real estate.

I've seen you post a few times about 70% max leverage but 75% is widely available, at lease with non-conventional 30Y DSCR loans.