If they have a great track record and have worked with the wholesaler before, they may be able to negotiate an inspection or holdback, but don't plan on that as a strategy. 

What is your track record? 

Because I, a real estate Broker, can call that bank, say were in listing contract, put this on hold for ____ days and I will have it live on MLS and get it sold and gone to cover things, and guess what the bank does, they work with me because I am legit and with a rock-star track record of getting s#it done. 

Maybe some specialty programs exist for prefab homes or a custom ADU builder might have his own lender partner they could refer you to... but unless you yourself are an experienced home builder with a track record in ground-up construction, you're basically looking at a hard money or a HELOC.

I'm an experienced developer in the Canadian real estate market, with a track record of successfully developing over 800+ units.

For example, do you need the software to collect tenant payments or are you looking for something to track depreciation expenses?

If they leave that job/their new place, you have to track them down again. 

That loan will have some bank hand-holding that people dislike (annual reporting requirements for the first few years, all rent checks must get deposited into an account at that specific bank so they can see it coming in and have an automatic "early warning signal" if they drop off, etc), but hey in their case I'd say it wasn't unwarranted, their only track record is that of mismanaging after all. 

Use the fee as a tool to keep tenants on track.

You also have to take into account the local / state landlord laws...especially the ones coming down the pike in CA's November ballot --> "Justice for Renters Act" Not sure if it'll effect STR or MTR but as a general rule of thumb, I don't run numbers on best case scenario.