I got the current owners (person who is selling me the property) blessing to post the house for rent right now with a move in date of August 1st if I wanted to. 

Banks have tightened their lending standards, and where they used to offer 75-80% loan-to-value ratios, now they’re only offering 55-65%.

Rent the other side of the duplex to a person you then employ as a full-time (or part-time) nanny.

We are working with our local small town bank.

Tenant also agrees to the following:-All drains, waste pipes, and plumbing are accepted as clear by Tenant at the time of occupancy, and any material blocking them after occupancy shall be repaired at Landlord’s cost, unless determined by repair person that such blockage occurred during the time Tenant controlled the Premises and due to some fault or negligence of Tenant, specifically excluding blockages caused by roots or backups from the street.

They are saying if a person lived on the property for more than 14 days contiguously then their damages can't be considered vandalism.

Why not pull out the capital you have tied up to have a larger down payment (or even spread it over multiple properties) and maybe even keep some extra money in the bank for reserves and renovations?

Most of the sites I've found seem to be more targeted towards investors, and not the person bringing the deal opportunity.

Best 90% LTV bank statement lender?

Lending is all about risk mitigation. 100% LTC is risky enough, experience and liquidity in your bank account are the mitigators.Some would argue that the ARV makes it not risky.