This will somewhat dictate what kinds of properties you can consider...You can certainly link up with some realtors and they can show you stuff that's listed on the MLS...But some of the best deals are off-market, and for those you'll either have to either do your own marketing, or buy through a wholesaler.

Can title companies dictate this way?

Neither you, nor a buyer's agent, gets to dictate the commission paid by the seller to the listing agent, this is set by their listing agreement. 

I currently own a vacation rental property and we were able to dictate our terms during the purchase.

I like that the value is derived from the NOI and cap rates in the area - that gives the owner a lot of ability to dictate the price by lowering expenses and maximizing revenue.  

I have never heard of any hard or soft rule which dictates a 1:1 ratio of loan to net worth.

I would certify this info just in case i’m Incorrect.The amount of money you make at your job, usually dictates what the lenders will lend you.  

Depending on those answers, will dictate what lenders and programs may be available to you.

No minimum interest period. 80-95% leverage (rate is dictated by leverage).Low fees (this is where some HML's try to get new guys)Now, unless you can become a HML of real size, you can't charge HML rates IMO.

That will dictate what options you have.If the loan requires a Replacement Cost policy, most insurance companies will require you to insure to Replacement Cost for the policy to offer Replacement Cost coverage.1 work around is to find a company who can write a Replacement Cost policy using  Agreed Value or Functional Replacement Cost, instead of Replacement Cost.