However, in talking to USAA, I read many of these coverage elements specifically called out by Prosper and asked if USAA would cover them.

Theres 2 main elements.

Baselane has many other features you need also, like the ability to screen your tenants, draw up lease agreements and collect deposits and rent.

You might get lucky and not have to wait if you can show true interest and ability to buy.

Taking out a loan for EMD would make it way, way too tempting to look past issues in DD and close no matter what.I'd also be concerned about the ability to close in general if cash is too tight to fund even the EMD.

Agency/other Non-QM is ability to have the LLC as the borrower. 

. $100k per property , $750 avg monthly rent ( ability to raise up to $1000) 

That isn't enough equity to move the needle now and since you are on a 5.75% FHA, your payments are probably still pretty high comparatively which might cut the ability to save more.

Factors to consider include lower entry costs, opportunities for equity growth through renovations and property appreciation, as well as the ability to recycle capital using the BRRRR strategy.

The bigger issue is you need the ability to manage the entire process.