Approach the situation nicely and offer to help her out - if she refuses you'll be left with no recourse but an eviction that will end up on her backround check therefore holding her back on future rentals. 

I am taking more of a "Lending Club" approach spreading the risk out over a lot of deals and like the comments in previous posts, I am depending heavily on the portals DD.

Also I want to start some different marketing approaches and other real estate strategies.

so say you approach a potential motivated seller to buy their house and relieve them of their financial issue (cant make payment, etc). 

And it sounds like the way you are approaching it is even better.. having ONE unit out of 4 as a vacation rental.

I'm currently looking at a coaching program to get trained and educated, and would be interested to hear about your situation and approach.

I'm definitely going to consider that approach as I think it may very well be the in-between answer I need.  

Guys, let's be honest. 90% of people don't end up doing it because they can't put together the capital and/or credit and no one will loan them the money to fund a deal.If it was easy, everyone would do it, profit would approach zero, and we'd all have to go find some other way to make money.Remember this when you're advocating hard for easier loan qualifications and no money down deals, etc... don't bite the entry barrier that feeds you.

May be I am overthinking it.Once we have a primary residence loan with a bank, how to approach them for loan on investment side?

There are some websites, such as Trulia, I believe, that gives a crime score, but I prefer the boots on the ground approach.