Don't live in it until you refinance them out and your problem is solved.

Your script or simply guidelines for starting a call should be geared to solving a problem the seller may have . . . needs to sell, may want to sell but had not considered the options, etc.Best advice is to be honest with yourself as to what you are looking for - a flip, a buy-&-hold, a wholesale - and approach the seller with a sincere opening explaining who you are what you are bringing to the table. 

.: Subject To and Wraps are very similar and yet, very different.Subject To & Wraps share these characteristics You are taking over payment of the mortgage and transferring the property into your name You become the owner The loan does not get paid off The lender can and sometimes will call the Due on Sale You have to have money or credit to solve a Due on Sale call They are used when someone doesn’t have much equity and doesn’t want to pay a real estate agent They are used when the seller wants to sell fast They are used when the property isn’t really a good candidate for the MLS because of the condition of the property They are used when It’s a unique property and it’s hard to find comps They are used when it’s a distressed situation that needs to be resolved They are used when the monthly payment is below market rate (that means it cash flows) They are used when the seller wants to avoid the hassles of listingSubject To & Wraps Differences In a Subject To, NO new mortgage is created.

And to be clear this type of a buydown DOES NOT solve any DTI issues. 

Best of luck solving this! 

At any point any of these bad actors - whom this country likely has no clue who they are or what their intentions are - can do something drastic not limited to attacking our power grid; and most Americans aren't prepared for no electricity.

That is an investment in your wellbeing, as the hassle to choose the wrong house will be a problem difficult to solve. 

Just focus on your own business and solving problems.

When I had my flooding problems, I generally found that waiting around for mitigation companies, insurance companies, the city, etc to come and solve the problem was a waste of time (they usually took forever, the bureaucracy was a nightmare, and they often didn't provide very good solutions).When my property flooded, I called all my friends and got to work on it immediately.

You make money in RE by solving problems, and in my opinion, buying "turnkey" properties with cash solves the least number of problems.