I would love to have all of the utilities in my tenants names, but if a tenant is delinquent with the payment of their water or gas bill, the liens are attached to the property and not the tenant.

*Note: this post is intended for investors who actively DO NOT automatically file a 1040 every year, unless they've incurred a tax liability.I'm wondering what difficulties investors who understand (have read the pertinent details of the tax code) have faced when engaging in investment opportunities that normally require an investor to furnish tax returns, and what solutions have they come up with.From my experience in banking, I understand that institutional lenders normally require a borrower to furnish yearly personal financial statements and tax returns.

And I'm not attached to it for my the time I've spent, which really hasn't been that much,  would just check in every other month or so while analyzing other properties.

@Andrew Hove PM me and I will give you 2 local banks that approved me for a commercial loan a while back. 

A Short Sale may be the way to go, but a Lease-Option can still work and could be way easier since it does not require bank approval.

The bank you use.

If so you can do that and then keep the 250K as a down payment and write a mortgage so that you can act as the bank. 

Now that we are interested in seller financing I'm not sure if an agent would be interested in working with us as I don't know how to go about compensating them for their time without a traditional bank mortgage.

Do I request bank statements from the current owner?

Have you tried Homes dot com /for-sale/multi-family, it might give you some more options.As far as the credit goes, there are banks who will do it.