However, I've encountered a setback as my initial lender has withdrawn (100%LTV), necessitating the search for alternative financing.

You might start making contact with small bank lenders and bank trust officers.  

The price and condo fees were so attractive at $40K that after I paid an $8K down payment, she was paying less in condo fees and the $32K mortgage compared to the rent subsidize housing she was renting.

If we 1031 Exchange and end up staying in the home a paying off the mortgage are the deferred taxes due the day you pay off the property or is there a window of time in which they will be have to paid?

Has anyone worked with a lender who has actually closed an FHA, VA or Conventional Energy Efficient Mortgage?

Recently several of my investor clients have leveraged equity in their primary or investment properties as down payments for purchase acquisitions by obtaining a HELOC or fixed rate second mortgage. 

I responded to her FSBO ad and made my offer which she happily accepted: a 36 month lease option; I'll bring her mortgage current, (1 month, $800), and continue making the monthly payments; option to purchase price of $88K, (my estimate of value, $100K); and I had the right to buy, sell, sublet, or assign the property at any time during the 36 months.

What are you seeing for Lender Fees now?

Do you think at 7% DSCR it is even worth it, considering the fourplex will essentially just pay off its own mortgage + taxes and not have any leftover?  

While I don't do anything with wholesaling, I do/can provide help as a Private Money Lender for you.