I would always prefer to be the only offer on the table.One thing that I will occasionally do is present multiple alternative offers.

Zillow is a very efficient data aggregator, so the market will behave accordingly and most things there will trend to the real value given all information.Where you can find an advantage is having an alternate source of information, and combining it with an efficient source like Zillow.

Maybe ask them to waive another fee or try and negotiate an alternate price.

It'll ultimately come down to your eligibility, your lender's alternatives, and your LTV comfortability.Like @Jeremy Wirths mentioned, your lender will be able to walk you through all of these options, and help you determine which you will qualify for.

The other alternative is to go to the county recorder and dig that info up manually.

The Solo 401k plan as an alternative to a traditional retirement plan was introduced to me by Dmitriy Fomichenko of Sense Financial.

The other alternative I can think of is to individually settle the note payment via normal bank transfer, check (as examples) to the lender's bank account instead of via loan-servicing agent.I asked because I understand that loan-servicing agent helps to collect the note payment, and prepares the necessary documents to aid in tax return (1099 tax form). 

Traditional lending has a lot of requirements that i am not meeting so i was looking for an alternative path.

There are some alternatives to this like foreclosure.com in combination with propertyshark.com.

We’ve been guided with common and alternate approaches to dig a little deeper to find good investment properties, approach homeowners directly, checking online classifieds, social media, FSBO…….But here are three ideas when quality time in effort has been invested has paid off big: Contact Property Management CompaniesFind them, call them, network with them, and find out if they have owners that plan to sell.Contact Self-Directed IRA officesIn some ways, a self-directed IRA is like a traditional IRA or a Roth IRA.