I have found other 100% financing options as well.

Just asking as most folks seem to think "giving it back to the lender" is always an option.

And while a 1031 exchange isn’t an option, some people explore alternatives like installment sales to spread out taxes or even tweaking the investment structure so your returns are treated as interest instead of equity.There are definitely some creative strategies out there. 

VRBO of course has no co-hosting option.

For the most part vs focusing on a specific neighborhood or two I would say keep you options open to all. 

Once I gave them the online option, however, and the bank didn't deliver one tenant's check causing a late fee, they've all used the online option.

But with perseverance and a willingness to explore unconventional options, you can turn even the toughest situations into successes.Have any of you ever faced a deal that seemed destined to fail?

As already mentioned, he wouldn't be able to use rent from roommates to help qualify but based on the numbers you shared there should be a VA option available considering how much flexibility there is. 

Would this be better to try and go through a local bank or is there good options for private money or other banks that specialize in this?

I am considering purchasing empty lots priced roughly $10-15K below market value.My plan is to offer owner financing for the land.These lots have water, drainage, and electric connections available, and mobile homes are permitted.The area is experiencing significant development, with the lots surrounded by new single-family homes.I would really appreciate any advice, feedback, or suggestions.Thank you It would help if you shared what you plan to buy them for other than just saying they’re 10 k to 15 K below market.List Price: $55KMy Offer: $45KPlanned Value Add:Install fenceBuild drivewayCreate a mobile home padExit Strategy:Sell via owner financingConsidering the option of adding a mobile home as wellIf you like this post, please consider voting!