The old lady is a emotional item.

You're describing your emotions about the house...and trying to equate that to how it matters as an investor. 

I would say stock investing is probably 10x harder to learn and there is much more emotional capital that needs to be used than RE.

It's such an emotionally charged thing it seems risky to show up alone on their doorstep-

Now you need to start preparing for marketing, showing, screening software and processes, selecting a tenant, Fair Housing, emotional support animals, collecting a deposit, disparate impact, local and state housing laws, Section 8, your lease agreement, late rent, unpaid rent, partial rent, bounced checks, etc.No worries!

I think they just emotionally and mentally want the home gone.Can anyone think of a owner finance deal that would remove the wait from their shoulders, but keep me afloat for 12 months until I can get a higher rent and refinance the property?

No emotional attachment, try and time your outs.Good Luck!

Emotional support animal protection is meant to protect a person with an emotional or mental disability, the law is not made to punish the landlord.

A lot of investors, especially newer ones I deal with ignore the emotional aspect of their investment decisions... i.e. what is and isn't going to keep you up at night.

Why don’t you run a credit report in her to asses her default risk before any more emotional decisions are made and more money wasted