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

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

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

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.

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

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

DSCR loans are based off of down payment, credit score and either actual or market rents so it helps to supercharge an investor's real estate goals and net worth.

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. 

That being said, it's very difficult to get rents to even cover PITI payments at 80% loan-to-value in Utah these days.