Is it not possible that you could get 4 non veterans as tenants?

Basically all rentals, even ones owned under LLC, come up during loan DD as long as you file them under one tax return as personal, that was what happened to me earlier.  

Its like going shopping on black friday for something you do not need and saying "i saved $100", when its actually - you spent $400.Could that money be better invested and provide a return for you vs. putting it in a depreciating asset?

Non-conforming/portfolio loans, which aren’t conventional loans, will allow as little as 20% down. 

I’m currently looking into the best ways to structure guest payment flows to ensure legal compliance (that may restrict non-licensed property managers from collecting rent directly) and seamless operations.

When investing in real estate, having multiple exit strategies is key.For a single investment property, make sure the numbers work for both scenarios: 1️) If you decide to sell the home, the deal should produce a solid return. 2️) If you need to rent it out, the rental income should cover expenses and provide a profit.Flexibility is what saves you when things don’t turn out as planned.

I've been doing a deep dive looking at cash on cash return for various down payments and expenses on properties with a mortgage.

But you're going to have to offer something in return.  

They require tax returns, voter registration, car registration, driver license, and utility bills in the app to prove it's your primary.

The worst part is that it's usually way too easy to get your license, and the consequences for these sleazy agents are usually non-existent or not harsh enough.