If they refuse to entertain this citing policy XYZ and you are forced to refinance, do not reward bad behavior: refinance with someone else. 

Very few IRS auditors are going to believe that selling was not your intent once you establish a pattern of the same behavior over several transactions.  

I train students all over the country and its just helpful for you to be licensed.Ohio, Florida, and California, it’s really important to hold a Real Estate Sales license doing seller financing.The Department of real estate estate is aggressive there in those states.Finding a real estate broker that you can work with isn’t easy, because they like to be able to control your work behavior, but there’s many places that will allow you to hold your shingle, meaning your license, and you have the regulations covered.2.

When a borrower is current on the 1st they're behavior becomes more predictable.

We also have a tenant who is a recovering alcoholic and formerly homeless who needed a solid place to get away from family and "friends" that were enabling past behavior.  

Based on the behavior you've described I don't think I'd want her in my rental anyway and would offer her a deal to return the keys and leave, but I wouldn't do this without there being a consequence to her (deposit forfeited, rent paid for the time she's had possession and possibly lease break fee).  

Newbies have no clue as to what is ethical, they don't understand the industry and therefore have no clue as to what acceptable behavior might be.

Every situation is different, so there may be reasons to simply bend over for them, but you are enabling and enforcing their behavior and making all the other landlords out there have to work that much harder to compensate.

You let this go, it becomes learned behavior, and she may start paying whenever you want.That's the principle.  

Is this behavior within the rules of the site?"