They made the bank think that Joe wouldhave to do the collections and secure the collateral.

Quote from @Jeff Brogan: I would hire a trusted expert to get you real numbers, someone that does it in that area all the time (rents out properties/property management). 

My strategy has been to grow aggressively (by using as little of my own money as possible) to secure good assets, and once stabilized, then work to pay down loans to own them free and clear sooner rather than later. 

With expert guidance, tailored training, and a supportive community that will align you with the tools you need to fast-track your success and avoid common pitfalls.

My main concern is whether it's hard to meet their criteria for properties and secure funding.

Secured creditors in order to take the property are to put in a motion to lift the stay.

If you think you might get kicked out then housing security might be worth upping the payment. 

Seller Financing I am the buyer with 30 days to purchase the property and want to simultaneously market it as rent-to-own,  how can I structure the process effectively:Can I structure the deal this way, so I can secure a tenant-buyer while working to close on the home myself,  minimizing my risk and creating a win-win situation.

I can tell you that you won't secure a REFI term longer than the term that is left on your lease. 

We had to wait out the First Look period, but once that passed, we secured the property below market value.