Most clients (more often than not banks) will require the appraiser to do the assignment on the Fannie Mae 1025 form (https://www.fanniemae.com/content/guide_form/1025.pdf).

If you were to purchase a property from someone who wanted to do owner financing it is safe to say that they would like to be the bank on the transaction and bring in a monthly income with a nice yield. 

You should also have been and continually shopping local smaller banks and CU's working with their commercial lender on something that works, if you have some cash saved, a decent job/income, and a good credit score, you should be able to get fix and flip loans fairly easily from a small bank.

I have an applicant that only has social security coming in and said they recently sold their home and have money in the bank.  

I really enjoy hosting guests through Airbnb.

The bank was very understanding and VERY confident in the property getting the C of O.

I'm a newbie but I was looking at multi family's around my area and wondering if there's anything special the banks can do if your purchasing a property that is already cash flowing with tenants?

Today everything seems good - sellers agent contacted my bank to ensure profile/pre-approval.

I will be reaching out to banks soon enough but wanted to see what you all thought of my situation and how likely it is they would lend to me. 

I doubt most banks would allow the IRA to be your 10% liquid.