Using my own cash flow analysis, verified against  others such as Airdna, Mashvisor & excellent insight from our colleagues on BP.  

I would say look for a hard money lender actually - you won’t need to verify income or anything, they usually care most about the deal itself and this deal seems like it has great potential also when you’re starting out, it’s going to be difficult finding private money fast and they’re not going to trust you as much so their rate will be higher, hard money lenders at that point have the same rates as them!

Why is it that they are comfortable being recognized as the owners with far more assets on the table and  then smaller property owners spend money and effort to conceal their identities? 

This is definitely a good place to start verify. 

An identical rehab will cost much less in Summerville than it will on the Peninsula.

I will verify tomorrow.

We need to look at income, debts, DTI, down payment, cash to cover closing costs and reserves, verify employment history, credit, etc....you mention having no other debts which is great, but there's a bit more to it than just looking at gross income. :) Feel free to reach out! 

USDA verify the address here: https://eligibility.sc.egov.usda.gov/eligibility/welcomeActi...

Meanwhile I originated a refinance loan in July of 2023 on a nearly identically built housing product and the rate was 6.66%.

Verifying last 2 years of rental history very important!