I'd like to move forward with option "b".

Personally, I wouldn't offer SubTo or a Wrap, For reasons I've written about fairly extensively. https://www.biggerpockets.com/forums/70/topics/1227199-the-m...However, I would sell on "Lease Option" and that may work for you.

it may be jurisdictional specific, but it would certainly limit the sources for providing credit reports.  

That's how I would propose it as an option next time.

Understanding how to source potential deals can be a game-changer.

Instead of piecing together information from random online sources, you get a cohesive learning experience.4.

Focus on understanding the rental market, conducting thorough property inspections, and leveraging owner-occupied financing options like FHA loans.

I think a better option is to get a job in property management.

I have a few options I can send you.

There are certainly options to cover mortgage and expenses but even those can be pretty far and few between.