Yes, usually stock brokerage account “ value” is acceptable. 

The agent responded back saying the owner liked my owner financing offer and was considering accepting, but he said he was going to ask the bank if they would allow him to do that because he still owes money to the bank.

Specifically advertising my property, only place I really know to go would be through social media. 

If the client accepts a lowball offer, then they could still make money.

I've recently had an offer accepted for a duplex in Westchester, NY and will be my first property purchase.As of now, I am looking for a real estate attorney.

Typical NE Ohio socialism/fascism/Mandarin bureaucratic overkill. 

What if the guy is a tax cheat and accepts cash and doesn’t report it?

WIth October being just around the corner, I have reached out socially to my property manager to ask for some advice on neighborhoods, strategy, finance products, ect.

I just moved to columbus OH and heard about this from my local REIA (COREE).I plan on going and once again face my fear of large social events from under a table :)

You either need to find another bank who doesn't have such a requirement (which from what I've seen is getting harder) or accept that you'll have to hold the property for however long before you can refinance at appraised value.