Check with a few banks and see what they offer!

Already seeing multiple offers in Reno on anything that's decent under $600K.  

The most recent house we offered needs a complete remodel inside, but the structure is sound.For example, we need new kitchen cabinets, sinks, paint, flooring, and drywall in certain areas of the house that have been damaged, as well as new light fixtures and interior and exterior paint.

However, you may find that they offer loans with shorter terms like 15-20 years and possibly with variable rates instead of a fixed rate.

@Chris Seveney hits the nail on the head, you don't need concrete "legal proof" to provide to a realtor when submitting such offers.

The website is called The Offer Sheet and you can get a limited number of properties for free but to get access to the full list to pay $200 a month with the promise of 9-12 unique properties daily. 

I have researched some of the banks the threads recommend; BECU, Sound Credit Union, FirstTech, and a couple of other bigger ones but would like to see what a local bank would offer.

I am not an agent, but do offer advice and have a lot of resources that I have built over my career investing in my own backyard. 

I’m not entertaining low offers, so please only people interested in market price.TksJP

The CU offered me $200k, interest only or principle and interest payments.