Not much you can do about that.In general, the type of financing a buyer wants to use has nothing to do with a seller’s price.You can’t use an FHA loan if the place is fully rented since you would need to occupy the property.

Unless this is a situation where you are turning the property around significantly, I'd only use the owner's current numbers to structure your offer.Some experienced buyers are paying higher prices because they know they'll be able to come in and execute their plan properly. 

Tyler Crawfod have you looked into first time home buyer programs or community based programs like NACA?

He finds heirs usually are out of state, far away, and often uninterested to take over, so often, he buys at a good price.Now, this is a long game, your involved with the property for long periods, unlike a flip, where you come in, you find a buyer, you're gone.

So I'd pay the loan to the bank, and the buyer would would pay his loan to me.  

Then go and find those deals for him.You don't need many buyers!

Any mortgage brokers that can give me some advice on the topic would be appreciated.I've got the buyers lender looking into it and my mortgage broker looking into it but no answers as of yet...

Wondering how that would work since I've owned it for 4 years now.Unfortunately there is no benefit to you unless you have a buyer that is wanting to "substantially improve" the condo, i.e. double the improvement basis. 

I suggest connecting with a local real estate agent who knows Baltimore and works regularly with investors and retail buyers to help you get a better handle on your needs and then guide you in the right direction.Good luck, welcome to the Baltimore market, and welcome to Bigger Pockets!  

The thought was to use the low downpayment offered for home buyers, buy a rehab , fix and sell.