You have several options, two that come to mind are traditional financing which will depend on conventioal underwiting guidelines, and altenative credit line financing.  

In this market, investing and paying market prices hoping for appreciation is gambling.

Normally when you buy a house the packet will include the rough guidelines but the most exact way is to find the pins which normally require a metal detector.

I'm trying to find ways to stand out from the crowd, I understand that you would not want to share your secrets and that's understandable but if you had some guidelines to put me on track, I would greatly appreciate.

Many banks/asset managers have certain guidelines they need to follow.  

The auditor knows the EA has a specific level of competence in tax matters since the IRS puts out the guidelines for the exam itself.

There are no Fannie/Freddie guidelines for HELOCs, so each bank can establish their own rules. 

The buyer always has to sign an understanding of your fee involved because it shows up on their closing statement.The more conservative title companies like Old Republic tends to have more restrictive guidelines so you are better to work with a smaller shop like Pacific Cost.I'm actively wholesaling and have been over the the last few years.

With regards to your roommate rental income, if you don't have executed lease agreements (which is what I am guessing what you are doing), then the rental income can't be used.This has got nothing to do with the lender and everything to do with agency guidelines.

They are guidelines, not "laws".