The rent growth rate is assumed to be 2%, which is a common growth rate, and the inflation rate is 5%.

I can see a scenario where I take on the risk of a high interest rate and less flexible terms for 5 years, so I can access my cash sooner if that option is there.

Are there common roofs?  

Based on what you've shared, there are many different scenarios that don't include a crime.If she's a good tenant, keep her.

Some lenders might accept Airbnb/VRBO income reports or bank statements showing rental deposits, but this is less common.

Be careful with Camden and Mercer counties, these are commonly found on lists of most at-risk markets in NJ relative to price corrections. 

It's also common to encounter retail branch employees who are  not familiar with  the entities and various ownership structures real estate investors utilize since they are normally opening personal bank accounts.

If you have a scenario that you'd like to get funded I'd be happy to see how I can help.

Real estate investing is forgiving; the average person can still make money even with some big mistakes.Software is a common question on BiggerPockets.

Do the tenants typically pay on time or are tenant problems common?