You should find out if the investor is Fannie Mae or Freddie Mac, which sounds like it might be the case.

Hopefully coming out soon with an awesome gym device!

My PM is exploring a low-cost tracking device to hide in the unit so at least you can get the guy who stole it.

Your work is under copyright protection the moment it is created and fixed in a tangible form that it is perceptible either directly or with the aid of a machine or device.

If so, then the underwriting guidelines for Fannie Mae and Freddie Mac will also be applied in addition to the bank's rules. 

I was wondering if Freddie Mac sales wiped out liens.  

Most banks will not loan more than 75% LTV on 2-4unit houses, as they follow the Fannie/Freddie Mac guidelines.In order to do it with less money down, your going to have to look into creative financing, maybe seller caries a second mortgage, maybe you use the buy something that requires renovation and then refi to get some of your cash our (cash out refi's on 2-4 unit houses are typically max 70% LTV).Sorry to tell you, but you will need sizable down payments if you are using conventional bank financing.

There are lenders out there that have no income verification products, but understand the rates and fees are not close to Fannie Mae and Freddie Mac.  

That's an agency loan, backed by either Freddie Mac or Fannie Mae.

This property will qualify for Agency debt,(FannieMae/Freddie Mac) provided occupancy is strong.