This is an extra cost to insure the lender that if you default they aren't entirely out too much money. 

If, as you say, you are unable to provide 2 years of recent tax returns, then the default response from the lender will be a firm NO.You may have better luck if you ask for a commercial loan rather than a residential consumer loan.

[Mortgage, comes from the old French "mort gage", literally translated as "dead pledge" because the pledge of the property dies when the debt is repaid or the borrower defaults.]A mortgage, or secured line of credit, are forms of asset-based lending; a business pledging its accounts receivable/sales contracts or manufacturing equipment for a term operating loan would be another.What specific type of lending are you seeking? 

Assumptions of lasting reinstatement or a borrower going through a long period of time without re-defaulting are not anchored in reality.

In the event of the buyers default the deposit shall be the sole remedy. 

The biggest auction site is Auction.com or you may be thinking of foreclosure auctions, which you can find notices of defaults (or whatever the document is called, it varies by the state) at the courthouse and the auctions are held there.

Motion for a default withdrawn.

We have a subscription to the Clerk of Court website where we can pull Notice of Default/Executory Process.

That seems to be the city's designation for a cloud condo type of property.https://www.sandiego.gov/sites/default/files/legac...https://www.sandiego.gov/development-services  

I always default to rules of thumb for expenses until you can verify actual operating expenses from the past 2 years.Having said that, the seller's asking price is irrelevant.