So I found a fixer upper foreclosure on the mls listed at 190k.

Some lenders might recognize some level of loan to cost(+/- 80%), but you will have to verify your expenses and they will make sure you are bellow 65% of the new value by appraising.I recommend that if you are serious you write a 1-2 page plan, put in a pro forma deal of an actual property you would buy, along with a breakdown of the rehab portion, how you plan to manage the tenants (or if you a have a professional manager), ect.

High level thinking: $100,000 purchase @ 6-7% commission = ~$6,000-$7,000.  

What is your tolerance level for not so nice areas?

You are in the upper part of the country, so you may want to market/list the property inmajor Canadian cities near your subject home (within Craigslist_if available, hospital community boards_ lunch rooms, major & prestigious Universities, and prestigious employer community bulletin boards.) 

I consider the score and the items on the score, along with stability of job and level of income as a whole.

I'm not too sure how I feel getting on a personal level with our customers. 

Not sure I'm willing to go to this level of frugality and/or have anywhere near this amount of discipline but they still offer some good ideas that may be feasible...

On the wholesale level

All you need is to put an ad in craigslist right now saying handyman special, fixer upper, investor special, etc... and you will sell it.