We are considering the following options:-I purchase the property from my aunt – Perhaps we can do seller financing to reduce fees?

In my area, they actually require a little more than the local municipality and lately have been especially strict on cracked paint because they were recently sued and lost.

Lenders often have strict policies when a property is in a FEMA-designated disaster area to protect their risk, even if the property isn’t directly impacted.

But I need a portal where I can do the following -Customize the tenant application  ( Cozy does not  allow me to customize)- Have tenant Upload Pay stubs, DL, etc. 

That is under almost 1,000-year old principals of "equity" followed in English and then American jurisprudence.

I will follow up with the seller but I guess I just had to get it out. 

Be prepared to follow up multiple times, using different forms of communication—calls, emails, and if possible, in-person visits to their office.

Not one single example, yet everyone pushes it like it's the ultimate protection policy.As stated above, the best protection is to follow the law, treat your tenants honestly, and document everything. 

When they do, you can refinance to a lower rate.Dealing with current high interest rates (about 7% on 01/27/2025) you have the following choices:A larger down paymentAccept a negative cash flowBuy down the interest rateCombine and balance all three to get an acceptable cash flow today.

Some will follow staff recommendations almost all the time .. others will not..