Add in institutions who are systematizing rentals and you get an even higher bid as they reach some economies of scale and are willing to accept lower yields than small investors. 

I have an SFR on a 1year lease which was executed by an unmarried couple (both folks are on the lease and either could have carried the lease by them self).One party is moving out and the other person is willing to accept the assumption of the lease for the remainder of the term.Any ideas how best to execute the lease transition?

If you have nine out of 10, the judge will not praise you.

Some landlords only accept rental payments in-person because it allows them to have an opportunity to drop by, say hi, and check up on their property.

Another option would be if I look into sponsor units which usually accept 3%, depending on the loan.I have lived in nyc my entire life.

Worst comes to worse they will not accept.

Be fair, but give her a timeline under which you will accept payments, and a timeline for how much longer you will allow this to continue.

(you might have to pay some closing costs unless they can roll them into the FHA loan).[2] A lender who will lend to you.[3] Acceptable lender credit.But job #1 is to stabilize yourself indoors, then get a second job and save up some emergency money so this is less likely to happen to in the future.If you get  a second job at a resturant --maybe you can eat for free there.If you are depressed--get some counseling....some place charge a sliding scale on what you can afford.This is just a skim over view on this stuff...It will probably take you a couple of years to get your act together to where you are comfortable buying..so in the mean time study.Good Luck!

I use to put out 10 cash offers approx 75% of market value and 10% of the time, a Seller would accept.

The evidence is there but the brain washed are refusing to accept it.