You did mentioned you do not have active income so the other option would be doing a cash out refinance to get money out using a Debt Service Rental Ratio loan.

As someone who lives in Dallas proper, and gets good natured annoyed when some one who lives in Plano says they live in "Dallas" they places you mentioned would make folks who live in Prosper blush (40 miles from Dallas) blush.

It is SO hard to say this from a zip code as the person above has mentioned.

As someone else mentioned, what I've seen a lot of in the past six months is deals that don't have the rental income to service the debt and borrowers with marginal credit.

I'm an active investor in Indiana; I'm in several of the markets you mentioned. 

You mention going on title and taking over the loan - is there an existing mortgage?

As you mention the reality is there are very few sellers who will do seller financing and my guess is its probably around 1%.

Saw one person who sent their own demand letters and screwed up the amount owed so the borrower waited up until day before FC, filed an injunction/ temporary restraining order and won and got the case thrown out and started all over again.

I'm hearing folks say: "I'll call sellers once I gain more CONFIDENCE!"NO, you won't. That's not how "confidence" works. Trust me.That's like me saying "I'll speak Spanish once I get more confidence speaking Spanish."...

I also invest in the Indianapolis metro area and had similar problems to what you mentioned in Ohio.