You will want the tenant to have some "skin" in the game.

After independence, the country was underpopulated and homesteading was prevalent - or else land was just taken from the indians etc. there are many advantages to having skin in the game.

Without an option, you have no skin in the game.  

That makes sense and I understand not wanting to go through all of that trouble without some skin in the game so to speak.

Find an agent with thick skin, and expect them to complain about every offer you want to make anyway.My experience has been that about 90% of asking prices are way too high for investors, but make offers anyway.

I didn't get one minute of sleep last night because I had an idea about how a seller could finance my "skin in the game".

So you know they have skin in the game and don't have any incentive to skimp out on the due diligence (which appears to be the case on some other platforms).

Excellent credit and skin in the game are required. 

The lender ends up with a decent return on what is hopefully a lower risk transaction given the skin in the game of the borrower or the high spread of the deal.

I feel your pain, some helpful hints are rinsing with cold water first to close the pores before more fiberglass gets into your skin, then soaking effected area in warm water and epson salt.