Your lender definitely should be able to count the 75%- I'm in Arlington and would be happy to connect you with my awesome lender who has been able to do all kinds of creative options to get to yes for me.

I'll throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

@JJ MacConnell Thanks for the kind words!

I don't see the value there....paying a plumber to come re-iterate common sense. 

And dont know about Ken.. but his partner for sure was very versed in sub to.. the information was accurate as we both kind of played in the northwest sandbox . and before sub to foreclosure rescues / rent backs became illegal in about 08 I personally did a few hundred of them. 

Some of my clients in this scenario literally just pick-up the phone, tell the seller of their specific property they are interested and they are well qualified, and see if there is some kind of fit. 

Quote from @Evan Ross: One of the most common mistakes I see with amateur landlords: attempting to build goodwill with their tenants.

Seller financing is also quite attractive, though I guess there are few of these kinds of deals available. 

Common misconception that the fed funds controls mortgage rates but that is not how it works. 

Just use common sense.When you get a request that asks if it is available when a quick look at the calendar or the inquiry show it is available then you should be on the look out.