There are actually THREE kinds of subject to transactions1- subject to existing mortgage without lender approval2- subject to existing mortgage WITH lender approval3- subject to existing mortgage as part of a seller financed wrap around mortgage.with #1 and #3 it’s in everyone’s interest to utilize a third party servicer, who collects and then distributes payments.  

Kudos to you for utilizing and actually finding deals on FB.

I have also utilized owner financing for longer periods of time, including personal residence and 2 barrier island houses on the coast of Florida.  

Gave him 10 months free space rent and paid for all his utility hookups. 

My wife not comfortable putting our house as equity, therefore we are utilizing other options to fund investment properties. 

I can only speak regarding structuring the deal as I have not utilized partners personally but it really can be anything that you want.

They were fine with my score (about 740), but have issue with the percentage of personal credit I am utilizing, so that discussion also petered out.Apparently, I have a lending profile right now, that is not attractive to mainstream lending programs.Any advice?

Is there a possibility of getting utilities to the place?

Utilities paid by me or lawn mowing and snow, realtor commission for renting, legal expenses etc.  

That's three months of mortgage and utilities, the cost of flooring, and the cost of painting.