Recently someone proposed that I offer owner financing.  

The kind-of living that's being proposed solves urbanistic dilemmas ans Cali has many or most green projects that are so attractive compared to construction in the US ..the cost os units can Start in the low 40k for a 714 sq ft unit ( in Colombian terms ..this is an average size ) with locations near rivers and great newly installed longitudinal parks which are enormously important on a City thta prides herself on her Sports and civics culture 🤔..

Propose whatever you want, its going to be rejected.

Not sure if that helps... but I would propose these questions to the lender, and focus on getting the first property to start...

Proposed Bill Would Eliminate Deposits and Fees for Denver Renters With Animals | Westword

You have researched the market, completed a study and actually have numbers backing up your proposal.  

None of the 3 options you proposed are bad options, so it really depends on what is your strategy.

If you indicated cash flowing SFR are difficult to find in safe San Diego neighborhoods I would not have bothered with a reply.If you take the time to do my proposed exercise PM me and let me know if you think I am wrong about the current duplex to quad MLS listings in my area being worthless. 

We had a great turn out and have had many turn in proposals and still waiting for some.

I also look at stuff like this bill that was proposed just to get a handle on what lawmakers (and judges) think is the right path for their constituency.