They will usually underwrite a little different than an SFR.

It can be exhausting trying to keep up with all the changes in local ordinances, section 8 (if you employ this strategy) or things that need to happen quickly (code enforcement / vacancies).  

Reaching out to all you note/CFD veterans again.It's my understanding that in certain states, for delinquent/non-performing CFD's, you must go through a standard foreclosure process (once all other methods like forbearance and modification have been exhausted).

The issue with RUBS is that it is fluid and it hinges on the # of occupants and this poses issues: 1) A child uses less than an adult; 2) a worker from home uses more than one that drives to work; 3) A couple may have a child during tenancy which they fail to divulge; 4) friends and family may visit for a few days during holidays.... etc. etc. etc.  --- and... these issues become issues for the other Tenant and then turns you into the constant 'utility police' because you constantly have to monitor # of occupants... eww. 50/50 is simple and simply understood and 100% while vacant is also simply understood.

There are also companies that can do this for you that would be better suited than an attorney. $200 per unit doesn't sound all that bad though.

I would think trying to get the lender to execute one would be exhaustive

If you have exhausted conventional options, a DSCR loan could help.

If you don't need assistance marketing the property and just filling out paperwork with a tenant you found, many agents will charge you a flat fee that may be cheaper than an attorney. 

We have even gone so far as to get the movers--all of which is cheaper and faster than an eviction. 

Neither designation guarantees higher competence in taxes than an unlicensed person.