You will also have to to find  a unique investor that has taken on fire damage properties and is familiar with the area.

Using a lender to fund your projects not only allows you to to do more with what you have (ultimately making you more money in the long run), but it also helps you to spread the risk.

I have years of experience in leadership and the mental capacity to to so, but can totally understand why many wouldn't want to self manage. 

Since it's a bit of work to do these I usually require a Subject To to make it worth my time.   

Mainly needs to to liquid, safe, and not fluctuating around in value so when the time comes, it's dependable and accessible. 

It's frustrating, especially for someone who grew up in 2 such areas (my dad bailed out of the Bay Area when I was a teenager), and who has now had to move twice when I didn't want to to get away from the stupid.

Yes, you can do a "Subject To" to take over the loan with a carry back to them for $190,000 plus whatever equity you agree to.

very simple answer is most sub too deals wont have much equity to give the seller so therefor the downpayments are either nothing or very little.Or, put another way, the home has to have minimal equity for sub-to to make sense - is that accurate?

If you want to start doing creative financing, I'd suggest you look atUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-usin... 

Thank you for your time and insights.Best regards,Ruchit Patel.Here's a post I did on Subject To that may helpUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline