Another way of getting by with low credit is through partnerships.

I bought the office condo for a very reasonable price and the mortgage is super low, $850 a month. 

Central Oregon markets have great appreciation, low vacancies and its just a pleasant place.

Your electric seems low.

I have the more would have should have stories I owned a number of properties in the bay area that I bought some for under 100k and one for as low at 12k in East Palo Alto :) Oh well if I kept those I would never have found bigger pockets.. 

If so, and you want to buy it as an investment, you'll have to put down 25%.CapEx and Repairs are way too low at 2%.

Consider the following scenario, presented by a question.Buyer 1 and Buyer 2 live in a low supply high demand multi family housing area.

At my minimum values those had better be light rehabs that I believe I can turn quickly. 

So if a property is listed at 180K and has been in the market 57 days would 130K be to low to offer?

So if you come along and offer them 1st position collateral at a ridiculously low LTV as you've described, AND say, 6% interest on their money for up to 8 months or a year...