Lo and behold the duplex deal never materializes and I ended up missing out on everything.  

As a "2-hatter", I would be wearing the HM hat to provide A&D money and then put on my residential LO hat if they want the lowest bank rate for the refi.

If listed, I don't offer the LO method, just a second creative way like a second SF option.With a written offer, even an LOI, the LA must present to the seller generally.  

Work for a lender that does a lot of 203k/HomeStyle renovation loans, or work for a GC or architecture firm that works with a lot of clients using 203k/HomeStyle, or hard money fix-n-flip financing for that matter.It's not at all unusual for a LO that does a lot of reno stuff to have a full time employee that does nothing but the reno side of stuff.

It's illegal to pay the LO more or less, depending on your rate, points, ARM v fixed, etc etc. 

The seasoned LO's know how to get creative with rates / swaps etc... and will work with you on your current needs and also the exist strategy.

But you have to put in the time and work to get there, part timers need not apply.The average LO in the 80s did 2.2 loans per month.

Here's your picture once you filter for that:https://www.redfin.com/city/7006/CO/Fort-Collins/filter/sort=lo-price,property-type=house+condo+townhouse+multifamily,max-price=400k,hoa=100

We did a 203K in Gardner (JC , KS) and we used Dustin Shepherd from wells fargo, the process was a NIGHTMARE because he went on 2 mexico vacations and constantly asked for documents we already provided... but in the end we did close and we got a great deal on the house and did the renovations like we wanted :) I wish you luck and hope you can find better than our LO

I spoke to my LO and they said if there is enough equity to cover the cost of selling as well as the amount still unpaid to the mortgage servicer then we can list traditionally and all would be okay.I'm posting here before speaking to a lawyer to ask more about what legal recourse does the owner have.