The best description I've found for, and argument for using, the SCOR document is from the Washington State Department of Financial Institutions.

We work with many institutions and smaller investors alike and again, like Nick, we feel if you nail the "1% rule," then you found a solid deal.   

The City of Denver was recently named one of the nation’s most promising cities for real estate investment by Forbes and the Urban Land Institute.

Has anyone else experienced this, and can someone tell me what type of institution I should be approaching?  

There plenty of other opportunities elsewhere, my clients are involved in institutional grade properties across the country.

., BS, American Journal of Otolaryngology, January–February, 2015Our data were consistent with others, in that an operative intervention was more than 3 times as likely to be associated with a pit bull injury than with any other breed.Characteristics of 1616 Consecutive Dog Bite Injuries at a Single Institution, by by Golinko et al., Clinical Pediatrics, July 2016That's why I don't accept pit bulls.

I tried to refinance the property to a conventional mortgage, but because I carry some debt and because I am earning about 1/3 of what I was making before I relocated (which was expected), financial institutions won’t refinance the property in only my name.Side note, my credit isn’t the issue.

Mine is institutional NPN's whereby I can help the borrower with a loan mod. 

Talk to your banking institution...

@Edward Verdel you may want to contact your lending institution they are probably your best resource here.