Apparently, the house was hit by a car and compromised its integrity so it was demolished.

While the first cost to get in mobiles may be lower, the longer term numbers may not be as impressive factoring in appreciation.

If you factor in closing costs it might be 3 years to start showing your benefits of a refi

Not to diminish their importance but aside from the legalities, ethics and complexities involved, if you have actually done subject to's, what are the overwhelming determining factors that would make a property a candidate for a subject to?  

Could be a motivating factor.

David has always been a big influence on my life with his unbend-able integrity and the determination he demonstrates on reaching his goals.

Regardless you have money or not, I think one of the most important factor to be a successful RE investor (or having your own business) is networking.  

Currency conversion dynamics can be a huge factor in foreign investment, one I had largely overlooked.Yes, that exchange rate does takes a big bite, but that's possibly where owner financing could be beneficial.

Are there factors within my control or specific to my situation that influence this, or is it purely based on lender policy?

Don't forget to factor in state tax.You need to get with a CPA so that you can structure the deal in such a way that you demonstrate investment intent.