They just want the deal to close and move on to the next one.If you're ready to close, that's the "CD" or closing disclosure (it's a new form in the industry that the CFPB (consumer financial protection bureau) put in place for every loan from now on, instead of the old Good Faith Estimate and Truth in Lending. 

What experience or expertise do you have to help others?

What's the base best route to protect me yet be the most profitable.

I guess what I am asking is how do we protect ourselves as investors and our passive income if the market takes a downturn. 

However the ultimate protection for you is to get the subject property under contract.Good Luck

Second-hire a reputable property management company that will protect you and your property.  

So here I am looking to all of you for your help your advice your expertise in REI .

If you don't know the buyers personally (enough so you can call and ask questions) strongly consider taking another directionFriends don't let friends do bad deals, listen we all want warm fuzzes when working with people but the reality is, your running a business. protect your self at all time - its not personal its business. be objective (AND THIS IS HARD) but houses, don't have feelings, wholesale fee's don't have feelings, title company stamps and legal paperwork have no feelings, if your the feely type get a hobby or pour your emotions in another venue. real estate (demands) you to be at the wheel, and be ready to face the ugly truth."

The NEW lease-option design...As I understand it, one of the requirements of the new Consumer Finance Protection Bureau, birthed from the Dodd-Frank legislation, is that ANY lender in an installment sale has to verify that the borrower is capable of repaying the loan, just like a traditional mortgage lender must.

Thanks for your expertise and insight here.