Documentation of furnaces serviced within the past two years Properly connect dryer exhaust pipe in the basement.

Explain how it’s similar to a short sale, and may get some cash back for their equity.4) If they again refuse ask if they have any other ideas since I have exhausted all of mine.

I've exhausted my loan options via unsecured and my bank has turned me down now.  

In 95% of cases, I recommend finding a single family home (SFH) in the suburbs of Baltimore (think Anne Arundel, Baltimore, Howard counties, depending on where your work is) and renting to 20-somethings.Key criteria for a successful SFH househack:Suitable zoning criteria, i.e. room rental laws (county by county)Within 1 mile of hospital, major company HQ, public university, and private university (to attract 20-somethings)At least half as many bathrooms as bedrooms (i.e. a 4 bed / 2.5 bath could work, but 4 / 1.5 could get sticky)Plenty of driveway space / street parking (1 per roommate)Plenty of kitchen space (since the kitchen is the most occupied room other than individual rooms)Basement or side entrance entry point (i.e. if you wanted to turn the basement into your living space, you could enter from a side entrance)Un-involved neighborhood community (cul-de-sacs can be the worst spots)Turn-key quality (i.e. you won't need to fix much of anything when you move in)This list is by no means exhaustive, but things to think about when you work with an agent on a SFH househack.

I had exhausted all of the options as far as I knew   I went to bank after bank.

The LTV is going to be inline with conventional mortgage.The main reason folks go to commercial portfolio is because they have exhausted their conventional mortgage options.

Thanks everybody for the responses.Sorry I have to admit I did not do an exhaustive search before posting the question.I found some material on the forum after more searching that might help others:https://www.biggerpockets.com/forums/88/topics/862...https://www.biggerpockets.com/forums/311/topics/21...I'll contribute my experiences to the forum when I get my feet wet with the first deal!

I know its not an exhaustive list, however it has given me an idea of the type of things to look out for.Cheers!

If a seller is willing to sell Subject To, they've most likely exhausted all other options (that they're aware of) and quite frankly you're doing THEM a favor. 

That can give additional coverage if the the    liability limits of the underlying policy get exhausted.