Had an low ball offer rejected but built some rapport with her on the home.

I only want to be as precise and detailed as possible to help fix this problem.

Should be, but your language is a bit less than precise* so good to check on the details with a professional (*not at all unusual or surprising as most peopled don't do this every day).

But pretty much every HML will require PG's as well.. but if they have a mechanism to get the property back without a foreclosure then maybe they don't need it.. and frankly with the no money down borrower with limited capital the PG is kind of worthless anyway.. again just spit balling here.. but in mortgage states like OHIO were foreclosures take a long time.. 

To them, REI is a lot easier than $100/mth and precise execution.

I'm under the assumption that if I find out what buyers are looking for I can narrow my search with laser precision.

Utilize your network, credit and equity and the ball will never stop.

Utilize your network, credit and equity and the ball will never stop.

It was a bit of a slow start but once I got the ball rolling things started to come along quite nicely.

Unless you’re going to make a lot of low ball offers or buy or sell a lot of homes for yourself (and save commissions) it may not be worth it.