These get submitted to my website through their individual login and I can either approve or reject the lead.

I put in a low ball, got rejected, it went to auction, and I picked it up during the post auction process before it goes back on MLS.

so in their mind Chris, they want you as the private lender to take all the risk while they enjoy the profit LOLwhat they don't know is the lender is always 3x smarter than them, just reject everyone that would try to borrow 95% LTV ground-up dev. loan LOL.

As I started marketing the property, I received numerous rental applications, many of which are from individuals with Section 8 vouchers.After doing some research, I learned that it's not permissible to reject applicants solely based on their possession of a Section 8 voucher.

If you want to try to go direct to the owner, that's entirely up to you, but be prepared to get rejected.

Most of my sailors would just reject the idea and say you can do that because you're an Officer.

You must have a process in place that rejects rent amounts less than the total. 

They have already rejected a $91K offer (That is what I was told) and my offer really equates to me  paying $1000 over asking.  

I reject every offer that is below my threshold without anything substantive to back up the reason for the offer.

As agent for a seller or buyer, they can only present an offer to the party they represent, not accept or reject it.