I think it is a great idea to to look in affordable, but appreciating markets.

Here's a post I did on Subject To that may helpUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline

:)-JamesHere's a post I did on Subject To that may helpUsing Subject To, to Get "Free" Properties https://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline

@Joe Splitrock great suggestion about a company email for income verification.

Alternatively, on your comment about Down payment assistance programs, if this is for Western NC, who would you recommend trying to reach out to to get more specifics?

I have to to do their job at that point, or just pay the repairs and not care about anything.

If they won’t meet, require them to utilize the services of third-party identity verification service provider.

*****************************************************Airbnb removes 59,000 fake listings, blocks 157,000 fake accountsAdditionally, the company said that over 260,000 listings have adjusted or eliminated cleaning service fees.https://www.abc15.com/airbnb-removes-59-000-fake-listings-bl...Airbnb is intensifying efforts to combat the growing issue of counterfeit listings, a significant concern for users of the platform.The short- and long-term home rental company took down 59,000 fake listings and stopped an additional 157,000 fraudulent attempts to join the platform this year, according to the Associated Press.Customers have been increasingly voicing complaints about fake listings, and the company said it also plans to implement thorough verification processes using AI for all listings in the U.S., U.K., Canada, France, and Australia later this year.Although fake listings do lead to financial losses for the company, Airbnb's CEO, Brian Chesky, emphasized to the AP that their foremost concern is the potential damage to the company's reputation."

Or, if money down is not an issue but income verification is, you can go with a debt service coverage ration (DSCR) loan which only looks at the property's cash flow ability and not at your personal income. 

I've done a lot of Subject To on FHA & VA loans as described and haven't had any problems.Here's a post I did on Subject To that may help you stay out of troubleUsing Subject To, to Get "Free" Propertieshttps://www.biggerpockets.com/forums/311/topics/1060320-using-subject-to-to-get-free-properties-a-quick-guideline