These are professionals with additional training and a stricter code of ethics.

I must have really sold these guys on my work ethic and commitment to REI, right?

You could reach out to the seller directly, having your agent do it might not be a good idea, your agent has ethics guidelines to follow, and the listing agent could get upset.

@Brook RiemanMy bad.Like @Jack Bobeck mentioned, the initial interest and principle will be spread like a regular 30 year note.The remainder of principle will be due at year 5.

These are professionals with additional training and a stricter code of ethics.

If I zero them out or max them, it adjusts the my expenses and the metric.Depreciation/tax and principle pay down are not in the equations.  

I want to point with the property manager living on a reduced rent, maybe test them first - hire them and watch their work ethics and performance for at least six months.

A long-time resident at where I'm now living told me when a previous owner (that went bankrupt) started accepting HUD tenants, "that's when the drugs came in" (I wasn't living here then to be able to confirm this assertion, but I have no reason to doubt it).The same reaction happens in business ("street fighting" and "lifeboat ethics").

But I know there is a way viable & ethical way of handling this so I can get the financing.

However, being that I am new, I was looking to these frameworks/guidelines as principles for every market with the understanding they may not hold true everywhere.Great to see you are PHX area, I travel there periodically and was raised in the area so I have a general sense of what the locales are like.