I don't have the money to pay cash for a home in order to get around that requirement, so i'm looking for ways to finance future deals without going the traditional mortgage route.

Purchase price: $94,000 Cash invested: $43,000 Sale price: $186,000 Bought this townhome from a wholesaler.

The real kick in the pants is that EVEN IF the doomsday scenario occurred, since the price point is so low the property would still cash flow as a SFR - but the underwriters don't want to hear that. 

.- Cash flow: The report shows a $177 monthly cash flow.- Condition: The house is completely renovated.

I’ve interviewed a couple of Realtors in Oklahoma City, but I’ve been finding that the general consensus there is that the market is not in a cash flow cycle.

With that being said I'm looking for an investment friendly lender to obtain a 300k construction loan and I have about 150k in cash right now.

I will provide a PDF and some screenshots. 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

The second buyer will pay 150K cash after appraisal.I assuming number 2 is the better deal.

You may be able to call the servicer and provide the original loan docs to show that it was not supposed to report to your credit.