And now just thinking about it it would seem silly for a lender not to consider an applicant's overall financial situation over just the asset they're applying for a loan for.So assuming they do look at the total financial situation, do they look at the asset itself as an income producing business?

And with technology why not consider an app. 

If you are serious about this, you might consider an expert coach after trying on your own.  

I wouldn't even consider an appraisal from 4yrs ago.

My preferred script for pre-forclosures is "hey Mr Seller, would you consider an all cash offer on your property?

Thanks Jon, always appreciated your straightforward insight.What would you consider an acceptable and achievable cash on cash return?

Consider an option and sell the option.

I would consider an engineered floor that you can glue down.

I would look elsewhere or consider an alternative such as a REIT, a HML fund, etc.

the end is near"I'm on board with flower Steph, I don't waste an argument anymore, I've done enough deals with enough Realtors that I don't need to "educate" them anymore, it's their fault not mine they don't know any better. caveat, when you do find a Realtor that at least understands and does what you ask them to do, consider an informal marriage.