Happy to review what you have and advise if it could work.

There are 2 main lenders that will do 80% cash out and they don't charge brokers origination fees because they're wholesale lenders.

Quote from @Roger Flot: I was reviewing some renovated listings in my area and one indicated that even though the house was originally built in 1920, because of all the renovations bringing the house to current code, that you could get 2024 rates on insurance. 

Working with a private lender can indeed come with challenges, particularly regarding qualifications and funding structures.For your cosigner, they typically will need to be a member of your LLC and the private lender will want them to hold 51% - depending on lender of course.Compensating your cosigner fairly is based on what both parties believe is fair.

There were only three reviews about them on Yelp and they were negative as well.

However, I read some bad reviews about them. 10% service fee from landlord, plus 8% from tenants.

Other local lenders I have used recently do not have very favorable terms. 

Encourage current tenants to share their stories, whether through social media posts, online reviews, or word-of-mouth referrals.

My lender and attorney are both in the same building I am.

You are not going to buy land and put in a mobile home and the lender in 6 months will consider it a single family home.