If you're unwilling to charge a common fee, I wonder how you're going to handle a problematic tenant who is late on rent or responsible for paying the plumber to remove a kid's underwear from a clogged toilet.How will you conduct a credit/criminal screening without an electronic application?

Again, I’m not sure if these guys do this to everyone or if their customer service ability as partners is just terrible.

Applicant 1 has 509 credit score.

@Nadir M. you would show 100% of whatever you collected on behalf of an owner.Of course, if tenant pays via credit card, you would NOT include the credit card fees, because you did not receive them.From the funds in your OPERATING account, you would pay any expenses on behalf of the owner, including your management fees - which you woul transfer to your PMC account.Owner will be paid from Operating account.Your vendors (office expenses, auto, etc) would be paid from your PMC account.Year end, you are require by IRS to send a 1099 with GROSS amount collected on behalf of owner.

What is your credit score?

Using mortgage debt at 6-7% on a refinance to pay off higher rate debt such as a credit card at 15-25% is a savings!

I am not familiar with Avail and whether a LL can view credit history.

Given your credit score and ability to fund 25% of the purchase I don't foresee any obstacles you will face. 

Rate will also be in the high 9s depending on PPP and credit.

Focusing on building knowledge, credit, and some capital is key.