Be very clear about your method and approach at the beginning.

And as to arguing with those who give you free advice, I finally solved that problem by charging non-clients to buy me coffee.

Another is to solve your insomnia by reading or skimming through the Dodd-Frank and the SAFE Act.However, here's the rub. we have folks here giving links to these sites and most information is simply misinterpreted as the information pertains to registered lenders or a bank or RLMO, not the average Joe doing a deal.So you have to be very careful in trying to read regulatory guidelines and know where you are in the subject matter.It might be better if you just stick with the news networks, but even they get things wrong or make improper implications.

Since this will be a low volume job that require a good response time, I assume that we will need some sort of national service that has the volume to manage what we are doing.The primary purpose of this post is to collect those service company's names, people's experience with them, or general strategies in solving this problem.With this information, we may change our stradegy.I will PM you though to start a dialog.

Is there some other creative method that I am not aware of?

These will solve the tree and rock problems .

The bank's intent, while not spelled out to cover all possible schemes or methods, was to ensure the buyer kept the property for 90 days and not sell it, to remain in title as owner.

I have developed a method that is a hybrid between Jerry's technique and Michael Quarles technique, and added a little of my own.

The income method will be heavily scrutinized (with good reason).

Not sure if I am being overly cautious but here are the numbers I am currently looking at:$74,000 purchase price ($71,000 property with $3,000 toward closing costs)$12,600 gross annual rental income or $1050/mo or 1.4% of purchase price ($13,800 potential w/ $1,200 vacancy cost)$8,100 Total Annual Operating Expenses ($1,000 taxes, $3,000 insurance, $1,000 property management, $1,800 repairs and maintenance, $300 Utilities, $500 lawn & grounds keeping, $500 miscellaneous)$5,082 Annual Debt service (20% down, 6.5% interest rate, 20 year amortization, $56,800 total loan Amount)This leaves me in the red with an annual cash flow of ($582).If I instead use your method I would have $12,600 annual rental income - $6,300 total annual operating expenses - $5,082 annual debt service (used my number because these are the current terms from my lender) = $1,218 positive yearly cash flow.After reviewing this, I guess my questions are...