Your original statement claims that these uneven numbers create problems that delay closings.

Simply enabling either side of the equation to participate in a transaction it could not otherwise might create such a benefit.  

So let me preface this with the fact that I know nothing about notes or how to create one, so I could use some advice here...Situation is this: My sister is moving to Pittsburg and realized its actually cheaper to purchase than to rent.

I’m a Los Angeles based landscape architect working on creating some small site improvements on a property in 29 Palms just near the Joshua Tree Park.

Lower income areas have unique challenges other areas don’t have .

In addition, I would make sure you have created a rental criteria that outlines income and credit requirements as well as how you will treat those with a criminal background or eviction history.

What I wrote above does not create an attorney/client relationship between us.

State Farm also keeps all the loans they originate so they are more user friendly due to the fact they are creating a long term relationship vs. simply immediately selling their finished product on the secondary market. 

I love the idea of creating jobs for people and allowing them to earn a living.

I'm a numbers person, so my strategy would be to create multiple scenarios and compare them side by side, looking at how long and how much it will take to move you closer to your goal.