I get a percentage or previous agreed payment. 

We later sold the property on seller financing terms, asking for $139,000 with an $18,000 down payment, also spread over 30 years.

Two points late Payments is a you problem not a them problem.

Trying to cover all of your mortgage while living in one of the rentable units may work if you are willing to put down a larger down payment (all of that 100k). 

They don't get high appreciation, largely due to the fact that the loans for them have a high interest rate and require a larger down payment as well.  

I love the seller financing model because if the property is owned free and clear, there are no banks you need to deal with and for the sellers they will receive more than the negotiated purchase price once factoring in the interest payments and they can defer having to pay the capital gains.

So buy something that covers some or most of your monthly payments (rent-by-the-room is the most cash in our markets of Denver and Colorado Springs).

For example, even 50% down payment, the loan repayment is still more than the rental income. 

I've been hitting the payment on how to get this done the property located in Opportunity Zone, so far I've research FHA 203k loans, Commercial Mortgages and HUD/FHA mMF loans.

And why asked to leave after 3 months of non-payment?