No I dont think you do have to buy through My USA Property.  Saying that, there would be no way i could be bothered doing all the work they seem todo for the properties.  They have it seems to me, a lot of people on the ground in the US that do all the running around for me.

Rick H yes, we started looking at the 70% LVR and the approval time did take forever.  Melinda suggested the Memphis properties and we went for it. Cant beat a 3 week turn around time. 

If you get sick of waiting i would ask about those ones. We will fully own them in just 5 years.  My husband is the one who has bought them, but I am the lucky one who gets to do all the phone work with them.  I just have never dealt with someone who actually answers everything you ask, and they dont make you feel like a fool.