As far as running their background, there are a couple international programs that can do it, but I'd rather just verify visa, proof of income, and verify with the school or with their employer. 

You might be told how to find them through the Tax Assessors Office or the government owned office that knows the people that deliverpast due billings delivered.people that deliver 

I am trying to get rid of some debt so I joined a program that says will help me do that but I had to stop making payments to my creditors.

Not many have rehab programs so you may need to make a lot of calls. 

I'm looking for feedback on how to best structure a rent to own program for condos in the state of Florida.

Once you find the maximum limit you see if there are programs matching your wallet.

There are some loan programs and down-payment assistance programs that might help you lower the 3.5% down. 

Regarding homebuyers paying for the high-end condos, It's true, While I don't have any in the larger buildings because of the high HOA dues that come with those large projects, I have a high-end unit in an 80 unit building in the Adams Morgan neighborhood and one in Dupont Circle area of DC, both are rented at high rental rates and people keep paying, I target the Federal Government employees that are in DC for 2-5 years building their careers.The offers were submitted based off the original list price before I lowered the price, One was too low to even counter, $50k below list, The other one that was $35k below list I had my agent go back to but it was over a week later and they didn't respond back so they moved on.

A neighbor of mine who was in foreclosure recently was able to refinance using a gov program. 

Fast Food, 2 Dollar Stores and the local government jobs.Schools are ranked very low.