Try calling around to smaller banks close to the home location.  

He has verbally stated that he's open to holding the mortgages privately but hasn't sent us the property locations yet, just general areas.

These homes are new construction located in a dry area of Houston, TX that was not affected by Hurricane Harvey. 

You then have to be certain that the PVC exhaust is able to be located to meet codes.

I'm not constricted in terms of location since I'm in a position to relocate based on the market I would like to invest in. 

Properties are being priced consistent with the location and condition.

Hi Ryan,It list your location as in the Philippines?

I'm currently looking at a house that's listed for 125k they won't budge on price assessed at 123k and the house is nice and located near 2 hospitals.

If you locate and purchase a property even at current market value in one of these neighborhoods, you're likely not to find yourself upside-down in something in the short term (the next couple of years) and beyond, even if (WHEN) the market begins to soften.Identifying this will either take a whole lot of research on your end and/or the help of someone else who knows the market better.

I'm currently looking at a house that's listed for 125k they won't budge on price assessed at 123k and the house is nice and located near 2 hospitals.