With this mentality i sincerely suggest you stick to Class A stuff and maybe challenge your thinking if you continue with that kind of ideology.

I think that I mentally distinguish between "Creative Financing" and "100% financing". 

There are at least 10M residents in an urban environment that would be impacted by shutoffs, compared to several hundred thousand farmers...and you can even prioritize those for food security vs hay and processing production. 

Ultimately, I want to make this easy for the owners to sell and prioritize the relationship with them.

It's more of a mental thing.  

(I know there are some who can't take care of themselves solely, ie mental disorders/deficiencies, and we should take care of those.)

I like to think about my old neighborhood in Palo Alto  2 to 3 million dollar 1500 sq ft 60 year old ranchers with a 10 year old Honda Accord in the driveway you prioritize.    

If I could pick a pocket of monkey business that could cause trouble is this truly unethical but perfectly legal practice of pricing things ludicrously high, knowing they won't appraise, but counting on buyers' "gotta have it" eBay mentality convincing them to pay more than appraisal. 

You can connect the dots.On top of financial motivation, we have all the usual human factors: overload, exhaustion, physical ailments, mental health.

If you have ever heard of the Dunning-Kruger effect, the idea that some mentally-incompetent people are so mentally incompetent that they develop a cognitive bias that no one could possibly be much, much better than them at something, well, the research that led to the discovery of this psychological phenomenon started right there in Swissvale.In 1995, a guy in Swissvale named McArthur Wheeler mused to himself that if lemon juice could be used as invisible ink, well maybe it could make a person invisible to cameras!