This specific tenant is in a program so the longer they take to send me the document, the chances of issues coming about is higher.

The only other fee we charge for this program is a flat $1,500 services fee.

Either way, most banks have other programs that could help you out.

If they were insured with Cal Safe they are both dramatically underinsured and a single neighborhood would deplete the programs' reserves. 

If you Bank/Lender does not allow it you can refinace the mortgage into a DSCR or true Portfolio loan program. 

There is no additional "risk" on the note like a demand clause etc, but you have  extra expense in upfront one time costs and the pre-payment penalty that most programs are sold with if rates do drop as expected in the future.  

In Minneapolis, are there programs in place from non profits and the government to aid first time home buyers with costs?

This criteria is for 1-4 and 5-8 unit programs.

You can program individual access codes to work only during a certain time frame.

I'm also a licensed mortgage broker with a lot of fix-and-flip programs, including some that require as little as 10% down on the purchase price, and provide 100% of the rehab funding.