For unusual or extreme situations, you would charge the line item price plus your hourly for actual time spent.Individual line items might be window shades, window glass, toilet tank lid, toilet seat, towel rack, door hinge, closet door, outlet/switch, bedroom light, kitchen light, individual bulbs, ceiling fan/light combo, medicine cabinet, repair wall 6", paint touch up per 10' wall, flooring (by type), clogged or slow drain, food disposer, refrigerator bars, drip pans, stove burners, etc.

Hello @Luke Ache FHA, Home Ready, Home Possible do allow LTV to go above 100%, there programs allow we call it "secondary financing", which simply means you are allowed to use down payment assistance programs for down payment and/or closings costs (DPA); Each DPA is very unique.

Have them do an ACH transfer instead of a wire.

I use Apartments.com for payments and it's kind of a pain (especially when a tenant gives you an incorrect e-mail address - long story) but they don't charge for ACH payments which is nice (though it takes almost a week to process). 

Good chance the issue isn't actually the back ache you've been focused on, it's something else you aren't thinking of and may not  have known about, maybe even with a super quick and easy fix not even on your radar, because you're down the wrong rabbit hole.

We wanted to make sure each tenant had their own defined space within the home, so we added 3 section medicine cabinets to both bathrooms, and vanities with 3 drawers and labeled each of them so there was no mistaking what space belonged to what room.

My landlord was finally paid ACH. 4 days after getting a pem.y deposited to his account.

Rent can be collected through ACH or credit card.

Declining population, higher than average crime and low income levels are all the factors that will surely lead to a lot of ache as a landlord and potentially no appreciation in the long run.

It seems this route would be much easier, cheaper and even less risky than having unsecured funding and the head ache it would cause even trying to find unsecured funding.