Conventional Loans might be at jeopardy, as the DTI and outstanding obligations may make BOTH fail. 

Occupied verses non occupied generally has no effect on the bank delivering the property with no outstanding liens.  

If the sales price of your property (other than farm property or personal property) exceeds $150,000, interest must be paid to the government on the deferred tax to the extent that your outstanding installment receivables exceed $5 million.Tip: Keep an eye on the $5 million limit if you want to preserve tax deferral.

The credit union will open a line of 100k+ but requires monthly payment of 1% outstanding loan every month.

I am unable to get traditional financing because because I am still listed on my ex's loan and I do not qualify because of the amount outstanding. 

Are there any outstanding repair issues or tenant requests that require attention?

Let us say, if I have a 1 mil property and 900k loan outstanding, why it is not worth taking EQ insurance? 

I just a quote and I can get a 10 year 900 K life insurance for 100 dollars (same amount the back wants to charge me) which pays not only any outstanding mortgage balance but can leave a nice savings for me family.Cheers

While I have rentals as well I also work for a large insurance brokerage who has a program for multi family and single family rentals that is nation wide.

Try David McKay, he's with Remax and an outstanding agent.