I've seen engineers fresh out of school at little mom and pop organizations who were extremely sharp and more than capable of any job that they came across, and I've seen 30 year engineers at billion dollar companies who were almost completely incapable of performing any relevant task adequately so age, experience, size of company is often irrelevant.

Before accepting your offer, a sharp agent will contact the lender to assess your viability as a borrower.  

Are they ugly boxes and run amok eyes sores littered with junk cars and mattresses or very sharp properties?

He is 75 now but still very sharp.

I believe, I cannot remember which Podcast but the founder was on the BP podcast awhile back, sharp dude might be something worth looking into.  

We would like to avoid any extra charges and stay sharp on what we are taking on.

I've seen a pretty sharp user on BP named @Bill Gulley who has talked about it, and I know there are others to that *really* know the right way to do subject-to.

Banks can be harder because of red tape guidelines but a broker that can shop this around would know what companies would work for your situation.Joanna V.SharpHighlands Residential Mortgagehttp://highlandsmortgage.com/agents/joanna-sharp/I don't have any affiliation with them - just the broker that helped me close last week on an Indy duplex. 

Sharp Mortgage.

Looks like you are pretty sharp and have done a lot of research.