The most common variation on this theme is an assumption in which the buyer takes the property and any existing notes “subject to” and executes a subordinate note for the seller’s equity.

Generally embedded with some variation of a PPP, so consider your time horizon and exit strategy. 

I would suggest building a relationship with a real estate agent in the area you'd like to purchase and get their opinions about dynamic variations in different parts of cities.

You can still use variations on this, say apply a 1.3% rule.

Specialty market down stairs and maybe 7-8 apartments upstairs or some variation.

There are other variations available on the site if your needs are different.

I've always gone with the click/ lock variation.

Fluctuations, variations, but "crash", it's just wishful thinking of those hoping to get a lower bar of entry. 

Hello Manny,For no income to Qualify if you have 20% down best option is DSCR loan since it's based on what is called a debt service ratio.Another Option is a variation that some lenders do is a No DSCR or another way of saying it is a no debt ratio loan a true no income verification on both you and the property. 3rd option for owner occupied loan there are lenders that do if you are Self Employed self generated Profit and Loss statement if you own a business.4th option that I have seen lenders do is Verification of Employment only at only 15% down payment. 

They fight with their neighbors over silly things, like subtle variations in paint color.