@Lexi TeifkeI'm not too sure if Brute force is a well recognized idiom, but that is how some of the investors I talk too locally described my technique.

You can charge very nearly what you could get for a fully recognized duplex in those cases.

Lenders will recognize retirement accounts as a reserve but only about 50% of that money counts. 

(PM me for this crook's name if interested)  I would say, If you want to be safe, deal with the proven product. 

If you consistently analyze properties, it will be much easier to recognize a good deal when it shows up.5.

Although under access by refinance it's existence will only be proven upon sale as well.

The more repetitions you get early on, the easier it will be to recognize a great deal when it comes your way!

If you have a proven track record in their market, you may be able to pick up some excellent deals with them as cash partners. 

The minute someone questions my age let alone my credentials and skill level they are usually a waste of time.Move on and work with people or opportunities that understand and recognizes the value you bring to the table.

But it’s proven to be a problem since I now can’t find an insurance company to cover the property.