Has anyone performed a Rent to Purchase financing with their buyer, as opposed to seller-financing where a deed of trust and a promissory note is issued to the buyer? 

My main issue is employment history.

I have done things with attorneys, CPAs, stock brokers, insurance brokers and others successful in business.General business knowledge, understanding of financing requirements, knowing property valuations, maturity in personal financial matters to give general advice, understanding of the foreclosure process, legal aspects as to liability in leading someone into financial matters, fully understanding fraud issues and the differences in a general matter where fraud might be applied as generally thought of and what may constitute bank fraud causing or even attempting to cause a loss to an insured bank having different standards.

My realtor did a comp search and says the home is worth about 730 with the comps in the area, I spoke to a bank in regards to Cash out refinance and I can pull out 80k (which I will use to buy another property) my mortage will be 3k per month...my only issue is that my interest rate is 3.75 on my current mortage and will be 4.6 on the refinance but will be getting rid of the fha loan.

Now the land is not worth nearly as much as the collateral the bank issued their loan on.  

If you want to experience landlord issues, you can fha a duplex or buy an sfh as an investment property & that $250k will easily be spent. 

Someone I know owns section 8 properties, he doesn’t have any issues and the rent gets deposited directly to his account.

Not going to spend a lot of time defending the location I invest in, because I feel like the proof is in the numbers....my "issues" and "bad tenants" are very far and few between.

 - landlord tenant laws not favorable in CA.

It can hurt your sellers ability to buy another home because of DTI issues.4.