The property is in a flood zone and the landlord said she pays $750/year so I already added that into the insurance costs along with regular homeowners.  

Not sure if regular income tax payment qualifies as an IRS debt.

The issue is regularly lenders want it to be refinance in my personal name.Any suggestions or leads how to refinance and keep under business name.

This is how they suggested we lay everything out so we will be protected in the event of legal action (My W2 job requires almost constant credit monitoring and can not have any legal issues---lets just say a government job).Also when looking at how everything is set up, take into consideration that everything listed above has been created since 2017 with the exception of the tax office and her being a cosmetologist.

There's just a high-level of perceived risk for regular buyers.Most people looking for owner financing are investors, and they typically won't pay top dollar for a home. 

@Cody SmithInvest, pay off your loans on regular schedule unless your investment strategy is to grow your portfolio debt free.

My biggest asset is my mobility, since I'm single and travel 80% of the time for work on a regular basis.

NEXT I would have some big teeth in it, that would be IF rents are missed for a term of 29 days that all rent discounts are forfeited and the full rental amounts are due on a regularized schedule going forward.

Servicing is easy, just regular maintenance that most sewage companies can provide. 

There are a couple of other solutions that should work for you and last:Gaco silicone roof coatingsER systemshttps://www.liquidroof.net/ (It's liquid EPDM but can be recoated, which is why I don't recommend regular EPDM)There are others that I can't remember currently.