I tried to refinance the property to a conventional mortgage, but because I carry some debt and because I am earning about 1/3 of what I was making before I relocated (which was expected), financial institutions won’t refinance the property in only my name.Side note, my credit isn’t the issue.

For S8 all you have to do is set a higher credit score requirement.

Now that might be different for sfh if all the people looking for shelter stop buying, but commercial stuff not so much, unless credit shuts down.Ian ippolito's website has amazing info on the re cycle!

The other hidden benefit of owner financing is it doesn't show up on your credit report so doesn't count against you for things like credit score and dscr.

I use resources like skip tracing, credit pulls, and many other resources and techniques to determine the borrower's ability to pay. 

Try Crane Credit Union. 

Get your tenant to explore NON- FHA options like 99% ltv & 97% conforming loan options.Also, you need to know the REAL deal with this buyer's "Mortgage" report credit and ability to obtain a loan.  

We have savings and perfect credit. 

Im looking to tap into equity to start flipping houses and eventually get more rental properties after I pay off my credit card debt to lower my debt to income ratio, any advice would be appreciated!

(and at 85%, you had better be waling on water with your credit and DTI!)