Last I checked 25% down is still the minimum for a 2-4 unit non-owner occupied conventional loan.

I need something simple that I could utilize today.Thanks you will not be able to get something today. in order to pull credit typically you must have a background check done on you and the company will also come visit your office and confirm you have specific security policies and procedures in place. 

@Eric Chappell - just started a trial to check on rentalhero and it's not a complete accounting system.

If it is not spelled out in the agreement, then they're abiding by the stipulated scope and your gripe may be with an unknown expectation or one which was not ironed out from the start.

Yes, check w attny as per @Ben Trageser.Also, see if you can negotiate with the seller to get the illegal unit delivered vacant on closing. 

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

Check out Grand Rapids Michigan. 

@Nathan BrooksIn my experience, connecting with like-minded investors in Richmond can be done by joining local groups like the Richmond Real Estate Investors Group (REIG) and checking out BiggerPockets Local Forums.

Sifting through your unsolicited ad hominem remarks and egregious errors of spelling and syntax, that’s your point.

If you want a second opinion check credit karma, ask your credit card or your bank.