That said, I completely understand your concern about deals looking "too good to be true" when you’re putting in 50% down.To avoid this, it’s best to analyze properties as if you were using more traditional financing (20-25% down).

The problem we are having is much of our current deal flow is below traditional lending terms (<$75K).

If you’re working with a community bank or a traditional lender, these issues may not be as relevant.

Yes, most large traditional lenders only focus on 1-4 units and other properties that fit into a box. 

I assume the sellers are offering seller financing since obtaining a traditional mortgage or refinancing to one after 7 years for this property is highly unlikely.

@Julie J.My recommendation would be to wait until you can afford a home with traditional financing.

What’s your experience been like with traditional lenders vs. private options like ours?

I cannot qualify for traditional conventional for multiple reasons but the over 200 to 1 debt to income ratio is a primary reason.  

Unlike traditional bank loans, private lenders offer quicker approval, fewer requirements, and the ability to customize loan terms to fit the project.

Your lender will have the exact details.If the current leases don't align with your timeline for moving in, another option is to explore a DSCR (Debt Service Coverage Ratio) loan or a traditional investment loan.