I'm looking to finance the project long term in a way that is helps me create positive cashflow.

Creative Financing" can mean a lot of different things depending on who you're talking with. 

It's calculated as the ratio of your total loan amount (loan amount for purchase + loan amount for your rehab) to your total costs (purchase price + rehab budget). 95% is a good target.Avoid application and other upfront/junk fees. 

The seller is offering seller financing at 2% interest with a 9-year balloon.

.: The applicant needs a social security number or an individual tax ID number (ITIN).

But I need a portal where I can do the following -Customize the tenant application  ( Cozy does not  allow me to customize)- Have tenant Upload Pay stubs, DL, etc. 

Id go right into looking at local credit unions and small community banks for HELOCs (lines of credit) so you can have a lower blended rate and draw/payback as you please.For the 3F - Since this is free and clear, you would only be looking at 1st position options here in the world of financing.

I tried to track finances on both Stessa and Hemlane.

Every adult must be screened and approved, period.Here's a detailed guide on how to screen applicants: Application Screening Guide

The behavior is a bit off, but not surprising for a mom & pop landlord.We tell our residents exactly what we need from them for the application.