True off market requires work by driving, street view, calls, mailers or other ways of finding true off market. 

NOTE; This is skewed as I don’t look at any notes that won’t yield at least 12% at offered pricing, I don’t look at any residential notes, only commercial, and no notes under $500,000 principal balance, so most notes are eliminated before hand. 

I get NO notification from system that tenant has not made his final payment, since payment series is archived on DUE DATE of last payment.

My recommendation would be to reach out to investors currently investing in the market and call them to get referrals.

We used to use Stessa but my bank no longer links to them

Ive been emailing BiggerPockets for over 2 weeks with no response which is a little disheartening.

Jodie, that's a cool career path.

No one will probably tell you they wasted their money on something like this.   

I have a rental applicant who has tax ID but no SSN.

It's called The House Hacking Strategy by Craig Curelop.