In your situation having a paid off property is only compounding the problems on what is actually a very poor choice for a investment income property.At a value of 350K and realistically assigning a opportunity value of 10% to that equity it is costing you $2900/month in lost income on your cash.

I have an applicant who has a good credit score in mid-700s and has pay stubs grossing a little over 3 times the rent. 

I know who can use it, what I want to know is can a buyer use this as a tenant buyer on a lease option agreement to buy a home while their credit is being repaired for a yr or 2??

@Peter Padalino the other advantage of adding solar is that it is building credit with the utility when the property is vacant.

However, I am finding through my talks with some lenders that, since I am still relatively new out of school and have multiple student loans (although I have great credit), my saving grace in terms of getting a loan to fund my first deal is the salary my day job pays me.I know that real estate isn't a get rich quick scheme and that I will probably have to stick out my day job for a couple more years, but at what point do you see banks, lenders, etc. start to give you loans to fund deals without a steady stream from a corporate job? 

what is :ltvloan amt credit score type of property closing date program desired

You can also ask the seller to provide a credit report as part of the sale. 

I can't imagine having to be the landlord that evicts a poor, senior citizen, in poor health....   

I am having trouble with someone who would do the deal with me, I have excellent credit, a good salary, just curious if anyone has a bank or credit union or work with. 

My credit is decent but I think I have more debit than credit.