I noticed a pattern of unmet needs for renters in a clearly booming rental market; that owners are not privy to or getting from their own property management efforts, personal or professional.I have begun creating profiles that must be visited daily, of renters who desire to lease in the Wichita and suburban area.

You may see a pattern.

What's your pattern of operation?  

@George Frye  buy them out then.... find other investors and sell them the notes.I am not a NPN expert as the only NPN I bought I did not offer reinstatements I simply moved straight to foreclosure they either paid me off or we ended up with the asset.As my personal experience with those in default is they will revert to same bad patterns and I don't care to go through their drama and sob stories.

If you do not move forward, the property will go back on the market and if the pattern holds several more owner occupants will not be able to close for the same issue. 

If you look at their pay histories you'll often see a pattern of missing a payment and then making two the next month.

I can see the "Tile" pattern in your floor (which looks perfectly fine to me by the way), and I suggest doing it more random to truly mirror hardwood installations which are completely random.

I am worried that a seller that is in default has a pattern of poor money management and that won't change.  

Confusing fact pattern. 

This doesn't follow the usual pattern of go to school, get a job, get a slightly better job, get married, etc.