Start trying other new strategies, craigslist ads are free and easy, maybe try your first yellow letter campaign, bandit signs... focus on 2 or maybe 3 marketing campaigns for a reasonable amount of time, execute each of them, track them and adjust them.

I realized this business is very lucrative and I know I can do this, I just need to focus and have a plan and simply execute....

A verbal agreement to lower the price will have no weight when a written contract executed at approximately the same time exists.

If I were the landlord/optionor personally I would not execute a purchase and sale agreement at the time of signing the lease/option.  

Executive Summary: Include 1 or 2 page summary description about the deal and your plan.

Jefferson, six figures to get someone to execute specific performance?

I do ask for a DOB on their application, driver's license, SS#, along with a bunch of other info, emergency contacts, vehicle information, pet information, employer, previous landlords etc etc etc...Then later on we execute a lease.Recently I have been toying with the idea of adding a clause into my lease agreement, to incorporates the actual application into the lease. 

You mentioned "FDIC risks", bank ratings are classified, only regulators and a hand full of bankers really know what issues a bank may have, the Board of Directors, President, maybe the Executive Sr, Vice President, the compliance officer/folks and key department heads. 

Good luck executing the plan . . . we'll be here to help when you've got questions!

This of course all depends on buying the right properties in the right areas- so you will need to team up with someone who is trust worthy and can help you execute this strategy.Same thing with lending your money privately.