But alive and well many places such as banks, credit unions, etc and it does not benefit the consumer overall. 

If you end up going with a big bank that primarily tailors to conventional consumer loans... you'll get buried in bureaucracy and it will slow down your deal; but, to reiterate the key point - don't head into the relationship expecting the bank to act like something they're not. 

It was the wild west back then and I haven't seen consumer demand quite that crazy, but I have seen builders throwing houses everywhere they can like demand will never go down. 

Lawsuits are expensive and time-consuming, the two things a flipper never wants to hear.

This will be manual, and time consuming so get a LONG Due Diligence period say 90 days if possible.

You might consider engaging an attorney to draft a "Mutual Agreement to Terminate Lease" or something to that effect that is valid in your state.A simple 1-2 page agreement outlining that 1) she has surrendered or abandoned the premises, 2) you have her permission to dispose of her personal property, 3) and you have her permission to liquidate her deposit for past due rent, can save you tons of potential legal headaches down the road, and would likely be far less expensive and time consuming than an eviction.Forget trying to collect on the remaining months of the existing lease.

Need to eliminate this useless and time consuming back and fourth nonsense. 

Or it could be as costly as re-zoning which isn't always guaranteed(and time consuming btw).

Our family's goals are to pay off our consumer/student loan debts and have enough cash flow that I can cut back my hours (maybe to 0 hours) and travel full time in our travel trailer for a few years and then maybe go back to work but probably not.

Heh.You are of course free to use whatever lender you wish, but consider that your agent helps a dozen or more people through this process per year, whereas most consumers get one mortgage every 4 to 7 years.