What are the best practices/creative ways to obtain this amount of money in the most efficient way?

Disclaimer: While I’m an attorney licensed to practice in PA, I’m not your attorney.

In practice this prevents many lenders from offering a new mortgage. 

Here are the four statistics you'll want to consider when researching prospective markets:1) Job Growth2) Population Growth3) Migration4) Housing MarketAnd here are some relevant articles about Phoenix to save you some time:-- Phoenix leads US Counties in Job Growth, New Data Shows-- Phoenix leads the US in Population Growth, New Census Data Shows-- Phoenix is the #1 Migration Destination-- Phoenix is Expected to be Among the Top 5 Housing Markets in 2020I can practically guarantee none of the other markets you're considering are going to be as strong on all factors as the Phoenix metro area is.

Not a bad practice to also have a checklist before move in that tenant signs off on, just like Enterprise Rent-a-car. 

It's a best practice to consult with your attorney, or physician before implementing your policies.

@Austin Ralls They can do short sales and hopefully get some relocation funds.

If you know the best practices in California as my previous broker said a quitclaim would be fine, after a call to the lender they will not accept a quitclaim deed obviously.

Excuse me for being naive.Is this a best practice: include the lot rent WITHIN the monthly note to avoid this problem? 

With that said, its your responsibility (and any other LL's) to practice what we often preach.