The one bank left kept a 1 mil line of credit for me ( down from 15 mil) had me  on a 90 day extensions for 4 years and allowed to to earn back in.

For me as well as the seller.First, you have to define Sub to financing.Do you mean the reckless kind where you overpay for a property, take over the financing and borrow from others to cover closing costs and holding costs when you have no money, no credit, no income, no reserves and can't tell a warranty deed from a deed of trust and you close on the kitchen counteror do you meanbuying below market value, already having a nice income, having reserves, using escrow and title, already understanding the due on sale clause, have done a lot of creative purchases and know when to use and when not to use creative finance and how to recover if something goes amiss?

I put a new build under contract early this month, and are now working on the loan with a credit union.

We are fair housing compliant regarding animals.Our tenants’ safety and the peaceful enjoyment of their home is important to us, so we do a credit/criminal background check on all applicants aged 18+, as well as employment and prior landlord verifications.

Charges them all for parking passes (on the lots I own), charges for pets, charges to empty the coin op laundry, charges for credit checks etc.  

depends on your credit if you can get a mortgage or your ability to find good deals that you use hard money for and then refinance into DSRC.  

When you go to a Bank or Credit Union, they can only offer you what products that bank or credit union offer. 

The mortgage will also stay on the seller's credit which might create an issue when/if they try to purchase another property.

Take a look at the overall picture, i.e. credit score, debts etc.. to make a decision.

Yes, but the 3rd option is I pay the remaining seller note principle in cash via my own savings/lines of credit.