Actually, the way you describe SubTo can be called "equity skimming".

I guess my only other option is to add padlocks onto the cash boxes on top of the regular keyed entry.

I actually had your underlying question in mind.  

Devon, is there a seller finance option available?

If you want to develop it, I can refer you a lender that will lend on a completed subject to appraisal but you'll be limited if you just want it for the lot.If you simply want the land as part of your property, you have more options including a HELOC which you can still use for development down the road. 

My area is relatively low crime, but had one place that someone broke a window to get in.... probably a homeless guy looking for a place to sleep....got scared when neighbor turned light on.I put in a SimpliSafe unit... portable, easy to set up, multiple options- you can use a webcam and get alerts on your phone and future tenant can pay for full service if they want. 

@Paige Gardner it depends on the person. hml are my last resource, it's a option for sure. 75% too high for me. that's the game for them, that's how they make its money. don't take it off the table but definitely explore ur options. 

Quote from @Bruce Woodruff: Wait....that wasn't actually her that you spoke with was it?

Example: you can option to have a fireplace with two windows on either side.

or options 3, 4 and 5 don't supply washer and dryers and either the tenant provides their own, rent appliances or goes to community laundramat.