With rates in constant flux, you might have opportunities to lock in lower ones.

I would also target ones that are ideal for renting out when you move out so maybe do a lower price point. 

And offset the previous FHA loan payment showing that you're making the payments for it so it lowers his DTI.

A lot of local banks tend to have 1-3 year intro periods of lower interest rates for HELOCs, check with some yours. 

Hre are the key things to knowWhat you are bidding on - often oddball properties that are hard to identify and have little value are auctioned offThe true as is value of the property, The tax assessment can be way higher or way lower than the true as is valueThe local laws and how they affet your total costs and returns

Have you lowered the price at all?

Get rid of the lien or negotiate a lower payoff. 

My experience is the min is around 15%, but I've read some posts on BP that some lenders can offer a lower minimum (but that usually means a higher interest rate).

Findlay is a real oppotunity beause you’ve got a combination of stable job sources, a decent population size, and often lower acquisition costs compared to bigger metros.About choosing an agent..

They'll have the same issue with the next buyer and you can always come back in a few months and make them a much lower offer once the property has fallen out of contract a few times and they are extra motivated to sell.