But keep in mind in both cases, these guru make most of their money selling their training programs (Grant selling sales training and Dave selling financial responsibility). 

As far as running their background, there are a couple international programs that can do it, but I'd rather just verify visa, proof of income, and verify with the school or with their employer. 

I was well prepared .

If they are, prepare to take a little longer than you expected to stabilize them and have a large sum of cash tied up for a LONG time. 

I am trying to get rid of some debt so I joined a program that says will help me do that but I had to stop making payments to my creditors.

Not many have rehab programs so you may need to make a lot of calls. 

I'm looking for feedback on how to best structure a rent to own program for condos in the state of Florida.

Once you find the maximum limit you see if there are programs matching your wallet.

There is, in my opinion, a guarantee of losing equity but only a risk of actually losing a property, when leveraged, assuming a investor is well prepared. 

There are some loan programs and down-payment assistance programs that might help you lower the 3.5% down.