It’s just not that common even though that is one of the main things talked about. 

Most people don't qualify for that relationship.The seller financing will not show up or affect the credit score.However, when applying for a loan at the bank or especially a Federally Guaranteed loan, they ask on the application for ALL Loans, whether  or not it shows on a credit report.

Dealing with tenants is also not personal to me, so I don't get upset or frustrated by how they behave in general.

Hello, a couple years ago I posted asking about any real estate meet ups in Kingston NY.

THEY ARE NOT LIMITED TO ONE PROPERTY.So, they can 1031 to 2 or more additional properties OR 1031 into a rental property plus a DST so that all the profits are used up in the exchange. 

So why not put that money to work and start building up some cash flow?

Maybe I can even pick up some tips on how to be a better loan officer as well.

Just recently, I completed a cash-out refi on a duplex I picked up in 2019, and pulled out $103k.

Quote from @Drew Sygit: We give our tenants as many options as possible - EXCEPT picking up their rent.Exactly.

Do you look up competitor rates?