I have found people willing to owner finance their house to me at a lower interest rate.

We took them to arbitration, but they did not participate and we found out they closed their offices and I believe the owners are no longer residing in Florida.

@Nick CooperAnything sub 25% down for 2-4 units that are non-owner occupied will be DSCR/ a portfolio product.

I'd like to not "find out the hard way" if one of these sites are not a good match for me.The ones I'm considering are Propstream, Property Radar, ListSource, and PropwireSomething to note, I am looking to return to doing some wholesale deals, using criteria such as absentee owner, out of state owner, tax delinquent, vacant, liens, and pre-foreclosure..

There are significantly less opportunities for HELOC on non-owner occupied but there are some (you would likely need to investigate to find a few).  

I've met the owner, and my friend has 2 padsplit properties.

I own a unique mobile home park in South Carolina that's relatively small (5 acres) comprised of 12 lots (I own 8 of the homes while the other 4 are owner-occupied and charged lot rent) along with a house (3 units). 

Btw, this all applies to owner occupied SFR sellers; commercial or investment property falls under general commercial transaction regs 

As an out of town owner, one benefit of Madison is that we do have a good supply of property management companies to consider. 

Quote from @Christine Gordon: Quote from @Roi Azoulay: This firm is known to advertise fake distressed properties all over NY and reach out the the actual owner w/attempt to get listing agreement, Unfortunately they are still active and keep doing this for many years and no other website/mls does anything about it.