So its either all cash, findings those needle-in-a-haystack lenders, or would need to be some other creative structure

Are there other creative options I haven’t considered?

Hey @Brandon Toron,Given your plan to turn the property into a short-term rental (STR), you have a few creative ways to push closer to that 90% cash-out goal, even if traditional lenders shy away from it:1. 

•Off-market deals: Creative strategies for connecting with potential sellers and standing out in a competitive market.

Most mortgage companies will not call loan due if payments are current but you do run that risk and need to be prepared to payoff or refi at a moments notice.

Work in several towns and once and be prepared to make several options with one week time limits on them. 

I'd get very creative with it, and when people are saying "your nuts" I'd know I'm in the right zone of things. 

I can do that for you if you are properly prepared with reserves and credit.

I was drawn to RentRedi for the integration with Latchel, but after seeing an ill-prepared demo of the product this week, only to be stood up by an appointment booked with Latchel itself, I'll be taking my dollars elsewhere.

For me as well as the seller.First, you have to define Sub to financing.Do you mean the reckless kind where you overpay for a property, take over the financing and borrow from others to cover closing costs and holding costs when you have no money, no credit, no income, no reserves and can't tell a warranty deed from a deed of trust and you close on the kitchen counteror do you meanbuying below market value, already having a nice income, having reserves, using escrow and title, already understanding the due on sale clause, have done a lot of creative purchases and know when to use and when not to use creative finance and how to recover if something goes amiss?