Are financial institutions starting to make use of the DOS clause more today than they used to or is this still a rare scenario? 

My biggest or most unusual problems were: abandoned vehicles, a person escaped from a mental institution, tenants with pet rattlesnakes that escaped their container, a round trip visit to the dentist for a wisdom tooth removal, a one way bus ticket from Kansas to Georgia, cashing $25,000 worth of checks each week for a group of guys from out of state, etc.  

You might even get lucky and sell to an institutional buyer.

Greenville has super low inventory and lots of institutional investor activity.  

The long and short of it is that the trust would sell the props and reinvest into other income producing assets, and you could draw income from the trust during your life, and then whatever remains when you pass would go to your chosen charity (or educational institution, they reeeeealllly push this on their wealthy alums, but I like the idea of funding a worthy charity, personally).

Anyone who works for a financial institution can be a certified mortgage professional, which means they never got training in mortgages, and don't even know when they are breaking laws. 

If you did this and either held it for a year (I️ believe that is the standard, but I️ would confirm with the banking institutions you want to go with), you could then refinance, pay off your land contract and pull cash out if appraisal came back higher.Your original thought process is correct in that a bank wants the 20% (I’ve seen closer to 25-30% on commercial loans until you build relationship) to protect themselves from fluctuations in value, but they also want skin in the game.Good luck,Roger

A handbook on tenants’ rights put out by the Massachusetts Law Reform Institute says the same thing.

Hi BP community I'm looking for a financial institution that can give me a heloc, on a single family home I bought for all cash that does not require any seasoning period. 

Institutions with good professional programs attract students year round.