The list is a combination of private and public data. 

It'll strictly be non-owner occupied?

I am very familiar with how to list a traditional, non-furnished house for rent on Zillow.

If you have non-Roth retirement accounts, consider converting them to Roth accounts.

Signing a mortgage doesn't put my name out there publicly right?

Non-conforming/portfolio loans, which aren’t conventional loans, will allow as little as 20% down. 

I think it's important to keep swimming, whether the current is with you or against you.

The seller’s most recent counter-offer was 90k for 30-40 day closing with a 10k non-refundable earnest money deposit.

@Shuvrajit Mukherjee - You have to be able to scrape that data from some where pretty easy...a lot of that property specific info is public record.There is a website called chicago cityscape...I am decent friends with the founder....it is sourcing a ton of data that might help. 

Some lenders do have minimum credit scores to access these loan types, but it is the exact same qualifications for income and assets as non renovation loans.