The best way to find them is to send out mailers.Some good lists to target are Absentee Owners with Equity, Seniors with Long-time Ownership and Homeowners with Low Financial Stability Scores.

We are providing $10k not to our most needy citizens (in general).  

I am a US citizen but live in Australia.

What client base do you serve (students, adults with disabilities, seniors, etc.)?

First Citizens is Prime + .50 for >80 LTV Interest onlyPrime - .25 for <80 LTV

My brokerage helps seniors downsize into low/no maintenance housing.

If you are the person doing the most work finding the deal, you could become a more senior partner and command a bigger chunk of the returns OR you could bring a smaller chunk of capital and ask for a equal return. 

Non-US citizens can also benefit from a favorable tax system.

There is a ton of inventory lost for a long time due to 2% and 3% rates and only reason people would sell generally is if they have to due to death, divorce, etc....unless owners with these low rates get some sort of major incentive to sell.... it is more than just interest rate and supply/demand factor, but also :1. 30Y Fixed rate mortgage availability in the US2. our gov. is restarting money printing since may this year3. everyone in planet is overruning fed before they would reduce rate next year Thing is, this unaffordability is nothing new for the citizen of the world except USA.

I understand why with full approval it would take all the documents needed to get there.The next two deals that I have helped my clients was through a senior lender here in WA.