I have also utilized owner financing for longer periods of time, including personal residence and 2 barrier island houses on the coast of Florida.  

Usually my time spent with newbies last a minimum of 1-2 hours on our first meeting (either in person or on the phone).  

I would say the same for employees who need say a second advance on their wages (we allow one).I am willing to make a personal loan if an employee really needs it and you could consider doing it that way with a tenant in need.

Don’t just focus on the voucher—focus on the person behind it.

Personally, and what I would do for my clients, I would connect with a local community banker to discuss the property and see if their bank would entertain this type of financing (not all banks like doing this type of deal).

And like the first person said about how the tenants are more likely stuck than happy, you just proved that point.

Go in person to the planning department and talk to them.

I have never been there personally but I have heard it's good food.

I’ve read quite a few posts about foreign investor financing but most seem to deal with non-citizen investors without US credit or personal tax filings.

My personally favorite spot so far is Ko Olina but I'm open minded.