Options include driving for dollars, absentee, probate, using listsource if you are not in a competitive market, buying lists that are exclusive for your market type  3) Start a sustained direct mail campaign.

I once lived in a studio in a large apt building in NYC with electric included, but paid for my cooking gas.

You could try it but i'd suggest your "Plan B" include having the funds to pay off the entire note before the lender forecloses.

It took six months which included having them not paying for 2 months then submitting.  

I've also talked to a couple other lenders (including a hard money lender) in regards to another property and all they need is for me to fill out their online application to get the pre-approval.

I'm looking at a deal that includes tenants on Month to month, no paperwork, apparently. the rents are strong, but I'm concerned about inheriting.

We have three flips in various stages (including one listed) and are most likely listing for rent now given the storm.We are also focusing a lot of on contracting for investors and homeowners.

Should I include my finders fee in the "Offer Price" section on top or does this come into play later on? 

Most of the SFH for rent with decent looking yards around here the landlord pays for lawn maintenance (or lawn maintenance "included" with rent if that's how you want to look at it) for exactly this reason.  

Including since January of this year with NO income?