While some tenants may act like children at times, I doubt adoption is possible or helpful.

I've actually found that some people want a relationship with the people who are putting their hard earned retirement money to work, rather then sending it off to large institutions they hope values it the way they do.I use retirement money for building new multi-family, new SFR, and flips. 

Institutional Class A/B leases rates in sub-market.3.

you have to think about it from his point of view. if you default, he gets back a property he doesn't want and misses out on all that rental cashflow  and instead gets some measly little 30 year payments. and he's already in his 60s, you're not considering that he probably would want a lump payment in his age vs. an annuity. most investors who do seller financing don't do it for a long term, they do it so that the buyer can refinance from a bigger institution.

Institutional grade that is syndicated?

I don't believe a traditional financial institution will qualify her for either a cashout refi or HELOC/home equity loan. is there any other way to access this? 

Institutional investors have recogized the opportunity 2 or 3 years ago and it is evident today by all the new luxury appartment buildings comming online. 

Okay, your “negotiated payoff” since this an institutional loan, will Only happen though a short sale, Not through a refinance.

@Justin SumulongFirst, let me second what @Dmitriy Fomichenko (whose company is worth considering, by the way) said: stay away from banks and Wall Street institutions like Fidelity, TDAmeritrade and the like.

The county value is under 50k for each (And I assume if I was to get an appraisal it would be close to the counties value) I would like to pull cash out of these properties to reinvest in more multifamily units using the BRRR strategy any suggestions on financing options or lending institutions will be greatly appreciated!