Not following the requirements (within Seattle city limits will likely have additional rules and regulations) opens the seller up to liability.Additionally, the seller always has the option of offering "cash for keys" arrangement but be sure that no funds change hands until after the property is vacated and locks are changed.John

I'd go for the best location, ideally, but without a strong compromise on your funds.

My recommendation is still going to be the same as I've put in other threads; buy 1.25x DSCR in a very good area or up & coming area of a very good city ideally through BRRR(you'll keep 10-30% of the capital in the deal likely), invest ideally 60-80% of your downpayment(no less than 33%) in a debt note fund that matures in 2-4 years.

i'd check your local laws and guidlines, its illegal here in the city of columbus to deny someone based on source of funding. 

That would be your reserve fund, but you wouldn’t be paying interest unless you actually needed to use it.

Went through all this with COVID rent funds, so feel your pain.

You know, I’ve had a few moments where I’ve scratched my head wondering if I was getting too cozy with my home equity, but pulling out those funds for a strategic investemnt has, more often than not, led me to some pretty sweet opportunities.

Obtaining valid ID and proof of income isn’t hard; for buyer prospects, swap proof of income for a pre-approval letter and/or proof of funds.

My question is, I am looking at using a white label table funder to start with while I raise my own funding.

I save up every 3-5 years to buy 1 property 1.25x DSCRd, ideally through BRRR, and buy about 20% of my downpayment worth in a high-rate not fund--high rate as in a 2-5% above prime but not this egregious triple prime super high risk nonsense).