There are plenty of loan products for owner occupants out there, even for properties that require rehab, that a credit worthy borrower shouldn’t have to use HM to finance their personal residence.

Lots of folks would be doing something else other than contracting if they were credit worthy. 

I know that I would like a tenant pool who is credit worthy, trustworthy, and not low income.

I would like to cancel the lease as this changes his credit worthiness. 

In a nutshell they are credit worthy.

I am looking for duplexes in the 100-200k range in a good neighborhood that will produce an abundant pool of responsible, trustworthy, and creditworthy tenants.

Lenders want to base credit worthiness on my personal information, which is fine, except for the fact that I do not want to personally own these properties for tax reasons.

Dentist is willing to sign a 10 yr lease and is credit worthy. 

Where to go for that depends on your creditworthiness and other factors (personal income/DTI), how you own the property (is it in your personal name or an LLC), when did you purchase it--less than 6 months ago?

Then the will evaluate your credit worthiness as any bank would and either approve you or not.