It's all about how much equity you want to keep in the house based on the Refi in order to maintain the 50% rule.  

Unless otherwise stated in this Agreement, Tenant shall establish their own utility accounts, effective no later than the lease start date, pay all utility charges, and maintain accounts in good standing.

There are a ton of qualified broker and lenders out there that can offer this product but be sure to receive the proper education when iyb comes to structuring the deal correctly.

Beyond that if I am understanding your post correctly, you are in a market where the settled price is 97.9% of the list price.

From what I've seen and the reviews, it's fairly easy to find these deals and works in remote markets, as you're not maintaining the properties.

I’m probably not searching correctly.  

Correct me if I am wrong, investing in Dubai's real estate is better than USA's real estate.

To thrive in real estate investing, you must maintain a firm grip on your finances.

Even if they are locked in does not mean anything they can change them anytime they want these lenders are not regulated like Owner occ lenders thats the bottom line.. it does affect their crediblity i suppose and risk of them getting trashed on SM  but its their money thier rules.You're correct.

for sure it can be done after the fact I have to do corrective deeds at least 2 to 3 times a year were title messed up the spelling of one of my LLC's and it has to be corrected after the fact.