I actually started my career in the banking sector in 1990.

I actually pre-screen based off social media before even showing the unit. 

I think it might actually be easier than the HOA.

I actually have narrowed down to 7 communities that I am interested in.Can anyone recommend someone for this?

Is it actually a refi since I purchase the house outright with cash ?

We were actually hoping to close the deal this week but buyer can not get the financing in place.How can I structure this deal so that I become a private lender for the remaining $35k?  

(but I gather that most people do FSBO because they're trying to get top dollar, so they're more likely to actually overprice).The seller uses a realtor/MLS.

@Rick Wang so you actually hinted to the solution of my problem but I would like to clear a few things from your post. 

I couldn't believe that a hard money lender is going to just give you the funds without reassurance of you actually being able to buy the property, but maybe I'm missing something.

Step away from this nonsense.Unless she has a source of income to actually buy this, that she hasn't declared to the local housing authority, I will bet that she wants to use her Section 8 deposits to  you to purchase the house. and if she hasn't declared her extra income to section 8, then she's just defrauding the system.You can either say "no" directly to her, or just say that you still have a mortgage and you can't enter into a lease purchase agreement for at least another 12 years.