Want to repeat what @Mike Terry said for the people in the back. 

Many many many people.

No debt, they bought this place for like 200k in early 90s, quite old people. im not sure if they will be alive for the 7yr term but they chose it..The reason im putting so much down is im buying w gift money and i want low monthly payments.

Tell people your policies, send them via email when they start the screening process, and send them again with your denial.

Gene unlike most people who try to do what he does, does what he does.

If you have the right people in place it can still be done.

These are the people - in my opinion- that need loan brokers the most, since they really don't have a grip on the market - and are thus more susceptible to agreeing to suboptimal loan proceeds / rates / terms. 

There's a standard syndication that goes out to sites like Zillow, Redfin etc that is included when it is listed in the MLS; hence why people can find properties from across the country. 

Having people write Spark Investment checks for $25K, $50K, $100K and more.

I'll send over some of my go-to recommendations for the people above.