A real estate agent told me if I make a bid too low that my offer will be rejected and that's it (due to a higher bidder and that there are many bidders per house---upwards to 10 or more).

She has said that the seller has rejected every offer less than asking.

I had a BofA that took two years, but only because they kept rejecting the offer as too low, we'd appeal the appraisal, the old one expired, then we needed a new one, and so on.

Our first offer was made (and rejected) on a duplex in Somerville.

We never went further to verify age, since our request for price reduction was rejected. 

What other solutions exist where a lender has bad credit and wouldn't want to go to a bank to get rejected but has good deals and is working on their bad credit?

I asked my PM why there are still no qualified applicants for the 3rd property after rent was lowered, he said there are many rentals on market, but for a property with reasonable rent, good shape and 4 bedrooms, I can't think of why nobody wants to rent it other than 3 applicants that had eviction or criminal records (their applications were rejected).I have a full time job in California; even though I can fly to Indy if needed (I am a remote employee), I feel quite helpless when things like this happen.  

you just answered your own question, he stated that the seller has already rejected offers below $190,000Speaking as a realtor I'm not seeing any problem here.

Section 8 rejection is not permitted in 2018 in SJ as there is a fine of $10K or warning if caught placing someone less qualified but not section 8 cat.Sam Shueh

In one case the action was rejected because the margins on the filing were not according to regulations.You get the Deed whether you do a QT or not, it comes automatically unless objections are filed by the owner.A lot of what you have been told is just plain wrong.Most attorneys don't deal with this kind of work, you need an attorney familar with Quiet Titles and Tax Sales.