How can I obtain said letter from my massively large and probably unwilling employer?

Buyers are looking for value and are unwilling to overpay for run down homes.

I recommend you do the same if they are unwilling to give you good terms.

You are providing them a service that the bank is currently unwilling to provide and thus you should make a profit.

As we see less of the population able to work (or unwilling) in the future, it will only increase tax burden.

However, I’ve seen situations where buyers have been able to convince sellers to do just this.If the seller is unwilling to subordinate his lien, then the situation has gone from extremely difficult to near impossible.

I refuse to bid higher and the seller is unwilling lower the reserve price.   

The sellers are most likely selling because they do not work, and therefore they would be unwilling to carry a note on the property.

I agree there is only a subset of estates where this might work; it will not where the heirs are unwilling to wait, if there is significant debt, etc.I am not interested in deals where I have to acquire the property outright; I am trying to come up with an alternative method.

I have heard that you need separate bank accounts for each child, but banks are unwilling to open them up as they don't have separate EINs so it's a catch 22.