He screamed at me, "Why don't you come here and do an honest days work and get your hands dirty."

WOW - this reminds me of me 40 years ago when I had second thoughts about investing - everyone wanted to discourage me from getting into the real estate investing industry - as you say - Frustrating road blocks to my first dealI know how you feel -There came a time in my quest for real estate wealth - I said NO - NO - I am finished with the "Road Blocks" with the bloody gate keepers - with relatives telling me to get a job - NO MORE!

And you will have to have reserves and the other requirements for getting the refinance loan.You're only going to pull this off with little cash in to the deal if you have a very flexible HML AND a screaming deal. 

Could I have called an attorney, yelled or screamed maybe.I lost my top dollar buyer and desided to sell fast, in the end I wrote a check for over $8,000.  

That doesn't mean there are screaming deals.

Using owner fi to get in the deal without much down won't help you unless it's a screaming good deal.

looks to me like your Cash on Cash is 17 or 18%.. that doesn't really scream "too good to be true" to me.

It doesn't look too good for a buyer if he sees the same property with two different prices.... it scream amateurs.

Yes, this situation screams TIC!

My baby isn't quiet - he loves to cry, scream, squeal, babble and play.