@Bryan Cress Yes, I've been in law enforcement for 14 years, after 20 I get a bonus $1,100 ish a month from age 50 (if I've retired from the job) until social security kicks in.

Some transaction go smoothly, but most start going sideways at some point between acceptance and closing.

Or what do I need to do to be accepted by a whole seller?

You'll be surprised how many tenants accept this.Demand.

Even then the cash buyers end up paying extra to secure the deal and accept lower margins.  

If there is an investor's club or social group in your area it will always be worthwhile to join and network. 

There are only three things we can do with risk:Insure itMitigate it (with things like LLCs)Accept itAnd if you’re not doing the first two, then you are by default doing the third.

She is on Social security.

I’m out of VA loan money and this will be our first actual conventional loan experience and it’s because of this that we’re thinking of doing a less than ideal home that we can fix up over time while saving for another more acceptable home to raise two growing boys in.

I also accept PayPal and Venmo, but these take about 3 days for the money to transfer.I also have one that has an automatic ACH bank transfer.