While we need massive reform in lending and solutions for home affordability, that ain't it. 

That seems to be a straightforward solution.

It's ultimately up to them, take that risk off of your plate and pass it along if possible.Offer a solution to the owner for a larger deposit amount, this can vary depending upon the situation and risk evaluation, but typically you would say at least double the deposit amount, plus first and last months rent before moving in.

Most landlords don’t go looking for a property manager until they’re dealing with an issue—tenant headaches, late rent, maintenance problems—so your marketing should focus on providing solutions, not just listing your services.Marketing Strategy: Combined or Separate?

I may have a solution if you are..I'm interested.

I'm still in the process of finding an alternative solution but I thought I'd leave this here as a warning for others looking to make a decision.For reference, I'll just post their email response to me here:As we review your inquiry, we would like to remind you of the following key points from our Terms of Use:In no instance shall ShinePay be liable for any of the following:"Lost revenue from service interruptions.Lost revenue stemming from delays, malfunctions of any product.unauthorized gains access to your account or due to shared passwords or if your password is hacked.Destruction to properly, places, or personal injury resulting from the installation, misinstalling, or misuse of any product.Lost revenue from entering the wrong account number for ACH or other bank transfer or money transfers or due to any delay in receiving funds.Damage to your structure, machines or car resulting from use or installation of our products.Any funds collected that are paid to a person that does not own the property.Any harm from defeating the lock and technology that controls the lock to a device.Failure to properly service any product or machine."

In general I would come up with a solution and tell my accountant what I am doing. 

Our solution is "Do all the work on the front end" - we vet the applicants internally and go through their info with a fine-toothed comb.

@Brenden Stadelman I found that agencies work well short term, but they are not a viable long-term solution.

Neither are cheap but I feel they both are probably are going to be the best solution for me.