Quote from @Victor Correa: Have a deal, subject to mobile home with bank lien, Not payed off, Seller just bought 2 years ago & I am taking over but reading about the title transfer need consent from lien holder.

At least that avoids the banks closing costs right now.

I've been outbid on a number of houses by banks. 

At that point, you’re building a business plan—something you can take to the bank.

With that low interest rate, you will have paid down a lot of equity in the deal and should be able to finance with a bank.

Have you looked at an HML or a loan from a bank to buy it from the seller now?

That means, no conventional loans, bank loans, DSCR loans.  

Bank Financing How did you add value to the deal?

I do have reserves to cover contingencies.Let's just say, I'm satisfied with those numbers.Had I had to use a bank, I would have had to put down 20% for $33,000, plus closing and my payment on the remaining would be $1400 PITI including HOA. 

If your 5th deal is good, you should be able to find funding outside the banking industry.