[EG: LO Properties.

A lot of folks willing to do work to get into a good LO.

I assume you buy and hold with owner financing/LO/rental as your exit strategy?

But agree, I need to get over "offending" a seller with a lo-ball offer.

If I were to put out a L/O agreement, if I charged a dollar or $20,000.00, the condition to use it would be for you to have it approved by a local RE attorney.The SAFE Act, made a part of Dodd-Frank, mentions lease-options and they are a "high-cost loan" arrangement in the eyes of a RMLO, there are requirements to follow.

You can advertise "owner finance" and sell it on a L/O all day long and you maintain a lot more control that way.

I would like to get the contact info of specific LO's that know the underwriting guidelines.

I would imagine that if I entertained a contract to L/O, I would have stipulations that covered my potential issue, as well as the other ones such as divorce, bankruptcy, etc (which even a Subject 2 from what I read from you are potential issues).

If a L/O has a buyer looking for a house or a realtor they work with has a buyer they can refer that person to you.

I know of a wholesaler who has a non-paying tenant in a L/O property, and without the reserves it causes financial stress to have to pay for somebody to live in a place when you're expecting that somebody to be the one doing the paying.