I have to have an ultra clear picture of their financial capability and where the money is coming from along with is their buying criteria realistic or are they searching for a 1 in 10,000 property that 50 buyers will offer on when it hits the market? 

They barely pass muster as ultra short-term trading instruments. 

We do not play by the same rule book as the ultra wealthy, alas. 

Some are a pleasure to work with and others I do not care what the potential is working with them I will pass.Anyone that adds tons of stress to my life or ultra difficult to deal with I don't need.

Some people find it ultra refreshing and others want to be hand held a lot and told what they want to hear with agreement to validate it.If the afternoon is a high showing time for properties then that person should convey that time will not work most of the time and try to find a mutually acceptable time that is realistic for both parties.

I had an allure ultra click lock floor in a retail store for two years and when we lost our lease I pulled it up and installed it in a rental.

They are ultra conservative with their underwriting.

That's strike 1 for me, UNLESS the 140K is ultra-conservative or unless the Cash on Cash or CAP is excellent.2.

I feel like I'm being ultra conservative on my numbers as well but I think you are right. 

On assets like this the stabilized cap should be ultra high so with higher debt service the cash flow spread is still good.I hope you find the loan you need but it sounds like you are looking for miracle terms for the asset type and location.