If you like one technique more then the other you can make it happen regardless what the markets like.

What kind of techniques would I need to get a seller to sell me a property at 50%-65% market value?

It should at least appraise at the purchase price (even if for some really weird reason it appraised at less after rehab, I should be able to refinance it for the majority of the purchase price)..Are there any techniques that you know of where I could lock a refinance in place before I move forward w/ the property?

I don't know of any owner financing technique that doesn't. 

No pitch here, just informing of the difficulty of the materials and presenting it at a level that can be understood by an 8th grader.As to being north of the 48th, I have know idea at all what your note market is, if there is one, what laws or rules apply or techniques that might be allowed.

I have my techniques but would curious to know everyone else's.

The company is happy to share it's building techniques and suppliers.If you have an eco friendly flip it serves your customers in one of two ways:Straight up "Eco Friendly" sells the house/condo over the others in the area.If the customer doesn't bite on the Eco Friendly label, explain to them that their heating/cooling bills are going to significantly smaller than the neighboring houses.  

I am interested in wholesaling, buy and hold techniques, and also flipping.

Hello,I am looking for innovative ways to combine seller financing techniques and Bank financing, so that I can buy without out of pocket down payment.

I'd say Bryce has an understanding of the issues, but to go there in depth, I can only think of a half dozen on BP that have participated on this site that I know who can go there and only one of them is posting in this thread, that would be me just to be clear.I'm not so dang conservative that I don't get outside the box, folks here have no idea, but you don't have license to do just anything you can possibly dream up and/or adopt financing techniques of hedge funds or institutions at an individual level as such are infinitely more sophisticated than what has been mentioned here.Non-recourse is another issue with small investors with little capital in their company.