Even if their Renters Insurance company wanted your insurance info, an insurance represetnative would be contacting you for it.7) You haven't stated if the tenant is current on their rent or withhold rent payments?

so those owners are pretty comfortable - no mortgage payment - and they don't need to sell, and they don't care where an investor "needs" the price to be to make money. 

Let’s break it down.Moving to Your Next HomeYour equity could help you cover the down payment for your next home.

I’ve just heard horror stories from landlords and I’m looking for suggestions on how to best vet tenants - Good credit, no missed rental payments in last 5 years, etc.

No payments to stop if high quality tenant and strong location.All these rosy pro-forma's folks you all are in investing in where all the debt and rental growth and all that are called VARIABLES to an investment.

I went to one of there meeting and was gonna join but as i was making payments to take the 3 day class.

If you do, could I ask how that has been going and has the rents been comparable to the payment standards advertised by the respective housing authority?

I'd look at the closing docs for something related to the pro-ration of expenses etc and see if you have anything there that could be a clause you point to for them to cover those payments. 

Generally, lenders will require you to have a substantial down payment.

At closing, the buyer and their lender determine whether the credit will reduce down payment, closing costs, or as a credit.5.