It will be extremely challenging to get a conventional/govt/portfolio loan for residential RE on your own without current income, and less than 25% down worsens this outlook.

I am not delusional about the amount of work this will take but I am extremely excited to be starting.

It can be extremely unethical to Sellers. 

You want to demonstrate to the extreme your intent to separate the series. 

Hi Dustin,     In my opinion, based on your big picture goal, It may be more effective to hold onto it until you meet the bank's eligibility criteria and then sell it while the market is still extremely hot with very low inventory (especially in Worcester!)

We are also living in an extremely extended period of relative calm in this country without major upheaval.

Please do post any other experiences with them, positive or negative, as they are extremely helpful.

@Jared Schottthe short answer is - if the house is already on the market, it's extremely unlikely that they will accept a seller finance offer. 

Lots of newbies that have come onto the scene in the last 3-4 years during an extreme bull market, who have never lived through a bear market.

The very cheapest way to go is for you to wash the interior of the house. 1) Washing from the celing to the floor, including everything ( such as lighting fixture covers, the surface area above the cabinets, etc) is extremely time consuming and not easy.