Hello all,
I'm looking to buy my first multi-family. I have a large lump sum saved in an investment account for down-payment and any additional costs. I currently have no debt and make under $100k a year. Because of ...

In a  Dplus area, 2nd floor unit, considering installing LVP. 

Are there specific lenders or servicers that are more likely to call these loans?

For example because New York is a generally more expenisve market, you have larger loan buy downs, bigger dollar appreciation, etc.

. :-))But yes, I could take a $200k or $300k tax free loan every year on the appreciation if I couldn’t manage to make ends meet at $20k/mo.

If I were to approach a seller of a $200k home, and they had a remaining mortgage of $100k, could I get a new bank financed loan for that $100k, and have the seller finance the remaining $100k of equity to me?   

If the other two parties want to flip a house maybe they can do just that as partners and then sell you the house which you can buy with a primary home loan with low down payment.

While you work on that, you could also explore creative financing options like DSCR loans or partnerships to fast-track your first STR.

In many countries foreign investors buying rentals can't get loans or loans at all. 

I bought this property with a private interest free loan from a friend. the person i bought it from need cash fast so i offered them a low cash offer and they accepted.I had enough money saved up to rehab the house with my savings.