In structuring same with seller financing, realize that (imo) a MAJORITY of sellers will reject not having a personal guarantee, so the individual insisting on this will lose out on that deal.  

@Matthew PerezI know some people insist on connecting directly with hospitals/travel-nurse placement groups or with insurance companies.

Truer words were never spoken, @Adam Wayne.My wife insisted that I lay off our last renovation, see what our guys could do by themselves.

In regards to your insurance question, I would insist that the owner of the home add you to their landlord policy as an "Additional Insured". 

We'll address it to both of them, but since they still insist that he lives there, we can only deal with this address

After receiving the funds, the guy came back to us stating that he tried everything to convince his "client" of our situation but the insisted that to do the deal they would need $10,000. 

I believe my new tenant who lived in master bedroom has clog the toilet but other girls insisted on previous tenant did it as the plumber unable to tell how long or which 3rd floor bedrooms has cause the leak. 3rd floor has 3 bedrooms, 2 single bedrooms and 1 master bedroom.

I would tell him to kick rocks while insisting that he vacate his lease.

I have to follow up multiple times before I'm told that my bid has been rejected (cancelled) and she insists they never give a counter or any feedback.

But if you insist on LTR, I recommend considering areas like Marietta, Decatur, or Acworth which have a pretty high LTR rental demand right now.