Which one do you weigh more heavily?

Thats called pooling funds, and is heavily regulated.  

I paid off my car about a year ago, and despite believing heavily in not having a car note (At one point I had three cars and paid all three off) I might have to put up my car for collateral just to get the funds for a real estate deal that I'm trying to buy creatively, as well as use the funds for some operating expenses for the business. 

It's not useless information at all, global real estate is heavily looked at in this way.  

I ate ramen and drank smoothies w/ spinach for fruit/veggies... only spent about $50-60 on food per week. 

Other things to look out for if your end buyer is getting a loan, the bank will scrutinize the deal much more heavily since you are buying for say 65cents on the dollar and their buyer is paying 100.

I wouldn’t be comfortable investing in an MTR that’s going to be heavily dependent on travel nurses.

So, it's advantageous for them to offer properties at a heavily discounted price so they can be financed by their buyers.

I've worked with quality bookkeepers from other countries at heavily discounted rates and would be interested to hear the value you place on a local bookkeeper from a consumer's perspective. 

The second thing they mentioned was they still looked fairly heavily at credit, that I'm currently paying everything on time, nothing was late in the past year, and there were no judgments against me.To the second question, about the down payment, you're right in that you typically need the funds and close first, and also expect the 20-25% range, I've never seen 10% down.