While that kind of income is not a deterring factor, when I looked over the terms of service many big red flags came up.

And how much is your debt service, around $6,500? 

- The market is in a little bit of a lull right now (buyers market), its a great time to buy, but slower time to sell (my primary business is flipping houses) I can supplement my flipping business by providing project management services/consulting, helping investors find discounted properties, etc. etc.

These typically include services like renters insurance, HVAC filter delivery, pest control, and sometimes utility management.

I am shocked their service is free.I bought a fixer-upper about a month ago and I'm thinking about sending it to Zi-Find when it's done. 

Quote from @Jeffrey Hill: There are a couple of challenges with financing the difference. 1) The current servicer has to approve it. 2) Finding a lender to do a 2nd mortgage at 100% CLTV is almost impossible.

Welcome and thanks for your service!!

I've heard nothing but complaints from customers AND their franchise agents reegarding the quality of their 800-number service center. 

You CAN limit that agreement to a specific property; but, as others have stated, agents are looking for a certain amount of loyalty from their clients.If an agent gets vibes from a prospective client that indicates that they want to cheapskate and not pay a professional for their service, they are not likely to waste their time with them.

If you don't meet that 12 month seasoning requirement and/or want to hold the property under an LLC, a debt service loan may be a better option.