It seems that because of the laws being put into effect that won't be an option as it would put my family and I at risk.

You'll have to engage a third party to handle the closing.

There isn’t a specific reason we want to do owner finance , we’re really just trying to figure out the best possible way to do the deal and it being the most cost effective option for both ends .

While yes, one judge has overturned the eviction moratorium it is still in effect because of a stay on judgment that was issued that prevents it from being "law" until the appeal process is completed. 

As always, consult an attorney to get the real advice, but I think you'll find trusts are very effective for asset protection.Stephanie 

Four years after the debtor’s bankruptcy case closed, the debtor and mortgage servicer engaged in loan modification discussions to resolve the debtor’s default on insurance and real estate tax obligations and allow her to avoid foreclosure.

Their interest calculator restarts, and the way amortized interest works, you're paying an effective rate higher than 50% in the early years.

the bed bug ordinance went into effect January 1, 2021 - see link below.https://codelibrary.amlegal.com/codes/philadelphia/latest/philadelphia_pa/0-0-0-198057 

I'm sure the IRS has some unique rules for that, which is why it is important to engage a tax professional.

I'm curious if anyone else has effectively convinced L&I to grandfather their fence in or if they had to remove it, go through zoning, then rebuild the fence.