I would suggest starting as a mortgage loan originator aka MLO.

Assuming you've met that, your original loan amount was ~$364,500 with 10% and a purchase price of $405k.

I would imagine the bigger loan origination companies out there who underwrite like robots because they are lining up the sale before closing  will be the exception and require those docs up front. 

As a "retired" public accountant and tax consultant I perform a lot of detailed ROI analysis for my clients. 

We've gotten great residents who we met despite their original search on FF being way below market.

So, you may only be able to originate such a sale once every 12 months or something like that.

The landlord was originally trying to charge us for them to hire someone to come and paint the rooms before moving into the premises, we didnt agree to that.

Originally posted by @Michael Noto:We provide a fridge and a stove and also supply washer/dryer hookups but not the washer and dryer itself.As far as dishwashers go we only supply them in the better neighborhoods we have properties in where we feel the tenants have more of a likelihood to use them responsibly. 

We keep "kiddie" as we say backhome which is a pot of money set aside for rainy day fund in case we need to replace appliances, perform repairs or other capital improvements. 

I would be using hard money lending (I've heard it's around 10% with a 1% origination fee) .