Big 3 bank is going to just let this go. 

. § 1344 – Bank Fraud18 U.S.C.

if so what bank? 

Often, owners beat up PMCs for a low price, but fail to understand the PMC will often cut corners to make sure they are still profitable. 

I mean myself and any bank would need more details, but if you utilize that large sum as a downpayment and have a small mortgage, wouldn't you easily qualify for the debt to income?

Bank Credit Line How did you add value to the deal?

Those willing to go beyond that could be good partners for real estate investors.Traditional banks/Local Banks and non-bank lenders - If they are a portfolio lender, meaning they actually hold on to the loan and don't just collect your payment, then they have the ability to be flexible.

Go to small local/regional banks NOT national ones.

Most banks don't really know how to do that because they cater to SFH owner-occupants. 

I purchased the property from the Shelby County Land bank.