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.

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

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

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

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.

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

What I’m trying to get at is this: are there ways to provide brokerage services to principals with the same or greater value as best traditional practices for far lower cost?

Partnering with others can spread the financial risk, while seller financing may eliminate traditional down payments.

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.