You can deny if: They cannot afford the rental, evictions for non-payment, recent bankruptcy, financially reckless behavior, etc.

It doesn't seem like it's worth it but financially owner finance would be the only way I can obtain a property right now.

Thoughts and opinions are welcome, but I mostly wanted to get this out there to share the crazy confluence of special circumstances

Because most of the people I know are not that secure financially.

[Not financial advice].

Having an LLC will also protect personal assets from financial liabilities (e.g., business losses and foreclosure), as well as, accidents?

Are financial institutions starting to make use of the DOS clause more today than they used to or is this still a rare scenario? 

@Bobby Nilsen First of all Congratulations on your success and kudos that you were able to leverage knowledge and networking to your financial success and cashflow.

Suddenly I had enough money to pay my bills, with a cushion to spare, and—at the urging of my sister, who had been interested in real estate for a while—I came up with the audacious plan to buy my condo from my dad.I had been a homemaker for many years before becoming a professional author, and had relied on my husband to take care of all financial aspects of our marriage.

I have a printed out RTA copy that I have reviewed a couple of times, but the phrasing in it  seems to not plainly outline exactly what is the "black and white" of some circumstances and leaves a lot open to interpretation.