@Kevin Hilton not sure which market you're looking at for your next purchase, but I have a lending partner who can do investment deals (including non-warrantable condotels) with just 15% down if it helps. 

Either way, it's just part of the process.I have been doing this for more than 30 years and my last four non-syndication deals that I was fully under contract on have all failed for various reasons.

Currently I charge a $300 non-refundable pet fee and $50/mo per pet.

What are your go-to non-Biggerpockets Youtube channels for REI? 

Waco is a great rental market because there are so many blue collar jobs that provide consistent demand for housing (I have heard that 80% of homes in Waco-proper are non owner occupied) but there is a lack of white collar jobs that would keep Baylor graduates here or bring working professionals from Austin/Dallas. 

You pay higher interest rates for non-recourse loans. 

MTRs are great, and there is a lot of opportunity with the different medical facilities in the area, as well as the influx of military and the gaining popularity of MTRs among the general public, not just traveling nurses.

I will say that when it comes to non-conforming loan limits/jumbo loans, banks, not lenders, often have more competitive rates because they often portfolio the product due to lower risk involved. 

Make sure the lender gives you what is called "Non-Dutch Interest" on the rehab portion, that means you do not pay interest on the rehab funds until you use them.

In the context of your post, licensed agents generally can't compensate non-licensed "people" (humans or non-human entities).