But I am completely satisfied that I used a professional in the beginning, taught me a lot actually. 

Bill Gulley I consider you a friend, and note your opinion and your strong objection.It is my strong opinion that real estate investors should be able use seller financing strategies and have a procedure to have a seller sell their residence on installment sale or a lease with option, the real estate investor should be able to buy on terms and rent out, and not have this onerous penalty for sellers if they fail to satisfy the Dodd Frank 's Ability to Repay Rule.A lender who violates the ability-to-repay rule may be subject to penalties including loss of down payment for a seller-financer, damages equal to all finance charges, and fees paid by the borrower and attorney’s fees.

Don't get too greedy, you want the tenant to leave as a satisfied customer.  

I pay a small monthly subscription (I think it's $35 for the "platinum membership") and am very satisfied with the occasional guidance they've given me.I talk to a lot of people who are unsatisfied with their SDIRAs, but they all have expensive custodians who must approve every investment and by the time they get approval the deal opportunity is gone.  

I am not sure having then tenants individually satisfy your 3X income requirement weeds out the "non-serious" relationships as you stated. 

Generally, since you can't really market to the open public a house that you do not own or are in title (there is a of variety of opinions on the term "equitable interest" and whether having the property under contract satisfies that level), we teach that you should always open escrow with a small earnest money ($100.00) and complete a home inspection.

And of course, overall, are you satisfied with your membership?

I'll tell them without hesitation that once I complete the deal with them I'm going to continue to make their payments to the existing lender while placing a buyer in the property until they can qualify for a loan to satisfy the existing loan.

At first this sounded like a stretch but if you think about it, their options are either 1) turn down my offer and incur further holding, selling, or repair costs to try and fetch a higher price, possibly risking foreclosure in the process, 2) let me negotiate a short sale, which even if successful, will nail their credit, or 3) put up their own money to satisfy the difference between my offer and the loan balance and avoid all of the above problems.

You WILL be satisfied with either product.