Now do you think that means that in most cases, you are directed to an agent within "their network" who is willing to work for half price to show you homes and negotiate the deal are eager to jump and put in extra effort or deliver the best service?

If they specifically need to cash-out to buy another home than seller financing is often DOA.As mentioned, if the have a balance on their underlying mortage- If they want to pay it off it might require a big downpayment- It is possible to leave it in place with a Wrap but that is an advanced strategy and while fairly low risk, the due on sales clause is a concern.On interest rate, my experience is that a seller finance buyer usually has to pay a few points above the going interest rate for conventional/FHA lending so probably closer to 7% these days although it never hurts to ask for lower...All of this is theoretical so the advice to chat with seller to get more information is the right next step.Jeff

I understand that there are some folks that will not cure a default and there is no need paying extra on them. 

Maybe offer an extra $100/mo to cover their hassle?

Reach out to real estate attorneys  in your local area the usually have working relationships with wholesalers.

If no one bids and the sale date and time pass, usually the bank is the winning bidder and the property goes into the bank's inventory.

Then any time you spend from a column you enter that as a negative.For clarity sake I also found that this go to be a lot of extra work as you are essentially creating a budget and then tracking your spending relative to that budget.

If she was a day late with her rent, but still within the grace period, would she pay you a little extra?

that may work - is there an ability to get extra cash out of the value is there? 

What is the property worth with an extra bathroom?