@Laurens Van swol a few banks that we've worked with in the past allow you to close in your personal name.

I signed up with them about 3 to 4 months ago, then found out how expensive the loan was to get going with them and told them that I would self finance it instead but they had to cancel the loan first...they use a company called Special Financing Company..the person I spoke to at REI his name is Paul, he said he would take care of canceling the loan, but a month later I realized that they were pulling $599 out of my bank account.

Many community banks will give you credit for proforma rents.  

I don't mean to be a "stick in the mud", but successful SubTo is treated very differently than a bank loan investment property.I've done Subject To for a very long time, been sued over some pretty ridiculous accusations and have had to sue to clear up title.

I am definitely hosting at least 1 open house every weekend and that is actually how I found my first clients!

I walked to the house and met a man who says he was cleaning out due to the loss of their mother in some few weeks back.The guy told me she is  left with 12 years mortgage on the property to pay the bank.

You can generally achieve better bank leverage and has a lower barrier of entry.

In Oceanside, New non-hosted STRs are prohibited outside of the Coastal Zone as of February 10, 2024.Most HOA's do not allow rentals less than 30 days so that is likely not an option unless you find a couple of places on the water that allow it but usually tough to find below $1M. 

Would I go to the current owners bank to see if they would allow a subject to loan? 

One thing to be aware of, and I hope that this never happens to any of you guys, is my connected bank link somehow failed or became disconnected?