I see former players from the 2000's coming back to the industry under different business names, and some of their prior work was less than stellar.

However, if there is a stellar opportunity I would not pass it up and could deal with living there for a year!

It's possible to "grow into" an investment.The rents that you are talking about (I assume for three units) are stellar so the $1.2M assumption would seem to be low.

My most recent deal my old Bank (united republic) wasn't really interested in giving me the best interest rate they could, and told me that to my face which blew my mind.... even with Stellar financials in all aspects.

Has anyone had a particularly stellar experience with anyone?

I've also watched nearly every US  DXC employee get laid off and fear I will eventually be part of the culling, despite my stellar reputation.   

Any other tips, advice or guidance people can provide would be stellar!

My business literally dies without a stellar reputation and trust of both clients and lenders.

Those fees seem pretty high when you're putting 20% down and have a stellar credit score...I'd either pay cash for the property and pull the cash out after you rehab/rent it; or call around to some local banks/credit unions to see what they can offer. 

Keep debt down and make sure you have stellar credit