The reason for this is that when a loan pays off within 6 months, the original broker/banker may be asked to payback any money they were paid on the transaction.

You really are a transaction engineer!

Agents Involved in real estate cash transactions.  

Is it best to offer a "subject to" type transaction to the homeowner, catch up her payments, and assign/rent/wrap/etc if the home doesn't meat the common 70-75% ARV minus repairs?

So long as you are not pledging a personal guarantee - and thereby providing the lender additional recourse in the event of a default by pledging your personal assets as security for the IRA's debt - then the source of the loan does not matter.Most private lending transactions, especially owner-financed notes, are non-recourse in nature.

The contract change after ratification is the safer route  I have done 200+ HUD transactions 

Find out what brokerage is doing the most transactions in a given area, then find out which office of that brokerage is doing the most transactions.  

Therefore, the change is painful.But I have to say one thing about it… One buyer I know would LOVE to have TRID requirements forcing her sellers to move out 3 days prior to closing, but it does not apply to her privately-financed residential transaction.

That means becoming an expert  on an area, having a well seasoned team in place to act quickly ( realtor, lender, title and contractors) and having some balls to execute on the  right transaction.

Also, when doing a transaction like that, do you still need to provide proof of funds?