If the overtime is acceptable, they will average it for 24 months and use that number. 

Then i was like checking my Zillow views, showing requests updates from my realtor.After 2 weeks we got an application, and with initial review we didn't accepted because of income criteria and no.of people.Then no application for 4 weeks, even though showings were happening.Then my 1st Mortgage payment is coming up, i was getting confused if i made any wrong decision with Rental property investment, and then i started researching on my own, decreased it by another $50, which became 2nd lowest in that area, and mine was better home than the lowest, boom 2nd day after lowered, we got an application on Friday, and i dint accepted right away as it was not 100% to my expectations, and i want to wait through weekend to see if i get any more. 

I use a marketing strategy that puts properties across the MLS and all major channels, including social media, craigslist, and the usual Zillow / Trulia etc.

I apologize in advanced if this is post is not acceptable. 

Do not accept September rent unless your lawyer instructed you to..

Not to mention the headache of dealing with government paperwork and employees.You may also have trouble getting an offer accepted vs. a comparable offer with a standard commercial loan. 

In SFBA all accepted transactions have the no appraisal condition.

I will humbly accept any advice I can from people who are wiser than me in this endeavor.

As long as they have income other than Social Security Benefits, you can garnish their wages.  

So go find that out and then just ask if they are open to seller financing, if they are then discuss deal terms.Your gonna do all this leg work and you don’t even know if they’ll accept it.