The title company should find any lingering items.Seller pays for the buyer's "owners title policy".

No, that's the right question...unfortunately, the answer is ZERO and NONE as far as your chances.There are NO non-owner occupant cash out loans (except for hard money) that a lender will not look at your credit and income.And there probably won't ever be again.Best to build up your credit (not that hard if you have none) and find someone to partner with.No credit is better than bad credit, and by finding a partner as co-owner (should be a blood relative), you can buy a home with just 3% down FHA, as an owner occupant.Don't ever, EVER, EVER, pay ALL CASH for a property unless you plan to flip it FAST !!!

.), all these tools that creative financing offers to fix Sellers' problems, well these tools do not help agents TODAY, may be later, but not now.If your model included hourly income rates to fix the problem of this troubled depreciating Buyers' Market, AND you had the skills of creative financing, well, maybe you could create solutions for buyers.An analogy:A whole life insur salesman make 75% comm on one policy (annual premium, with charge backs if the monthly payment is interrupted) OR second carrier offering 45% annual premium comm.If you had to feed your family, which would you sell?

Something under a tenant policy or something?

He was entrenched in the policies that have created the fire sale real estate market we have now and if he wins I'll be looking at "4 more years" of great buying while he's busy paying back the political favors he owes to his cronies who got him there.

After the loan has aged ( gone unpaid) to a predetermined point, lenders policy is to write-off the receivable and recategorize it into bad debt and expense it as a loss.

No, your "policy" is not a valid reason.

Currently (since June) have 4 girls in the house with zero problems.

Do management companies have similar policies everywhere?

I did some quick addition in my head, calculated a ZERO OUT price and offered a 5 day closing, no inspections, as is deal.