These people seem to stay for years which makes it easy for me to self manage.

This is a touchy subject.If you observed specific concerning behaviors during interactions, such as rudeness, aggression, or disrespect for property, these could potentially be valid reasons for rejection if documented properly.You should add one very important things to do on your checklist, past landlord references and it must be legit and find out why they aren't there any longer.

I also call references from previous landlords.  

I'm referring to a minimum payment scenario on the HELOC.

Zillow has an easy application for them to fill out. it come back with a credit score and background info. 

I do not use a property management service to advertise and have always used Zillow to advertise, previous references, housing records, credit checks etc

My accountant was charging $100 each which I thought was a little high they are very simple if you have an easy platform .

For the last point, it's referring to a window egress.

Running was easy!

Now, getting around the Due on Sale might be as easy as doing a Contract for Deed or a Purchase Option instead of Sub-to.