because they think you're going to pay full retail, cash, and close within the hour is exhausting.  

By the time you have exhausted the list of sources mentioned on here you will probably succeed in finding the current owners name if not their current address.

That rules out the vast majority of owner occupants who tend to pay more for a property than an investorMany factors are in play as to what FNMA will accept. 

Let me add that most of our renovations are rather exhaustive, but they are never less than 60 days, and usually 90-120.

Most people keep them in a segregated account rather than an operating account.

It may just be an arbitrary want rather than an actual need.

Most other mortgages are amortized, so the payments are higher than an interest only loan. 

But not longer than an hour.  

After exhausting nearly all of my private lending options I have to find a way to scrape up some cash for a down payment on a (4) 1 bedroom apartment + 1 small commercial storefront space in a small town in Indiana.Could anyone provide me contact information for a lender that I could try to reach out to as I don't necessarily trust all of the Google search results that came up....

@Kristen Sinclair - Just a couple of points:A vacant lot is much less likely to be redeemed than an improved lot, especially if there's no mortgage on it, as is usually the case with vacant lots.