Why do you need the RTO money for the down payment? 

Today most lenders will want 30-40% down payment. 

And that is my whole point: you can value a digital asset based on how much cash it generates. 

If you have a tenant that doesn't pay and you have to evict, you might lose 3 to 5 months of rent payments plus have make ready costs of 5k to 6k depending on what they do.   

Is an LTR with a $290k mortgage ($1900 payment).

Quote from @Issa Joseph: The cost for the education and the year on mentorship is $8000 if you make 2 payments or $9000 if you pay in 3 payments. they have a guarantee that your units will outperform all other competitors in a set square mile radius of your property.

I have been saving for a down payment on a rental property.

Other than that, I'm not sure what to recommend except maybe team up with Lynnbrook for payments outside Airbnb.

What is your price range (or down payment range) and are you looking for turn-key properties or something along the lines of a "fixer upper"? 

Forget about the late fees and payment plan, you'd be lucky to find any judge who would enforce it when the tenant showed they weren't even living there any more and were still doing their best to pay off the balance.