You can do this in two ways; leverage a percentage of the cash flow and collect dividend then add active partner through dividends, or traditionally sell interest to an active partner.

They told me to collect the fee up front which obviously I cannot do.

Since the borrower collects payments and not making them, generally the accumulated interest owing starts the date of the mortgage/note and are usually higher than conventional. 

The one we used said they ran his outstanding debt @Cindy Joseph we look at their debt and outstanding collections but don't calculate a debt-to-income ratio the way lenders do.

You’re neck deep in Paralysis of Analysis, a virus more debilitating than the Spanish flu, Bubonic Plague, and the latest virus du jour, Covid.I’m no different than you. . .well, I’m Italian, so I’m a better cook and I have three Uncle Tony’s who collect my rents.

Better is to send an email to all guests (you collect emails this way) with all the resource links so they can access them on their phones.  

You should contact my friend William Littlejohn with CSR Collective (csrcollective.com).

We’d have a subsidized tenant, so at least collecting a majority of the rent, and I understand that these tenants usually stay longer.I know there is bureaucracy with Section 8 but can out up with that. 

I imagine some bad apples will do this and charge by the page rather than the complexity, but I'd like to think that the majority operate in good faith.

If you collect all the money on January 1st, you earn one month of rent in January, one month in February, etc.