What homeowners do have though, is a problem or situation that requires a solution or offers an alternative to cash or conventional.Whether on market or off market, what signs should you be looking for that subject-to or seller financing would be right for a seller? 

offer different solutions to his problem, like going to the bank or whatever financing route your going for your price of 295k, and then he carries the 2nd for a number of years for low money down/financing terms that are in your favor.  

There are better solutions than RTO out there.

@Dustyn ElkinsDid you find a solution for this?

Explain that you've monitored the situation and he's hallucinating.

We are working on an alternate solution but it will require re-doing a lot of the plumbing, a venture that is very costly but if done right will save us $$$.Sub-metering the property is only step one.

Even told him we could work together on a solution (cash for keys in my mind).

My current solution is to purchase larger residential rental properties (6-8 units) as financing for this would be considered commercial and therefore would not be tied to my personal debt as is my triplex, any advice as to how I should proceed would be greatly appreciated  

I wasn't anticipating the delay in postings due to having to navigate multiple company structures, which is frustrating.Have any of you found a better solution?

QM Loans are usually processed through a bank on an owner occupied property whereas NON-QM Loans are a more desirable solution for real estate investors on an investment property.