The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

@Gabriel Dent Depending on your work and savings, it could be worth doing an application with a lender to see what you could get preapproved up to so you know what range you can offer within and then compare those duplexes, triplexes, and fourplexes to where you could rent for the time being instead. 

Youll need to read through them and put in an application for an ADU license 

They generally charge 1% for debt introductions and 3% (although I’ve seen up to 5%) for equity.

There is a 12 month loan seasoning requirement for a cash out loan, and fha and Va have seasoning requirements for rate and term refinance, but assuming as it is investment property that is not applicable.

My property manager was diligent with picking the right tenant, which I appreciated, but that comes with really narrowing down a pool of applicants that would have been okay in the short term.I am trying to decide what is best right now and getting them rented out would make sense, but my problem is the lack of funds I currently am facing to rehab them to get them back to rent-ready condition and the monthly mortgage really hindering my ability to save up for these rehab funds.

I take credit cards, too, which are a bit of a pain and still charge as much as Airbnb does.  

However, every time my contractor submits the applications, the city requests new revisions.

They have refunded my startup costs and have agreed to not charge our company anything until we get a deal.

ARK also charges a flat franchise tax on ARK LLC's and out of state LLC's every year, of $150.