The law states:"a landlord may require a prospective tenant to pay the landlord’s actual cost, up to $25"https://docs.legis.wisconsin.gov/document/statutes/704.085(1... states that the most a tenant may pay in Wisconsin is $25. 

If you need financial help, ask under the "Finance, Tax, and Legal" forum.

Talk to the management company and if you're not feeling things are right or legal, then take legal action.

Here's a good folder setup.Bank StatementsCredit Card StatementsProperty Management StatementsMortgage StatementsSTR Platform StatementsInvoicesReceiptsClosing Documents (Purchase/Refi/Sale)LeasesCheck & Deposit ImagesVendor ContractsW-9’s & 1099’s

@Asher M.Possible, yes but like your lender pointed out it's going to be difficult to pass the self-sufficiency test (SST) for a legal 3-4 unit property.

If you need an option that isn't as document heavy, a DSCR cash-out might be a viable option if it's an investment property.

So, transferring title to an LLC is a transfer as defined by most mortgage or deed of trust documents as a trigger of the so called due on sale clause. 

In total, including money lost from rent, legal fees, and repairs, the situation cost almost $30k.

Will the title company put this property under our LLC name, and won’t be required to legally inform HUD/tax authorities. - will it influence property taxes once we move to conventional loan in 3 yrs? 

.; and capital to pay for options, marketing, legal counsel, accounting, tax advise, etc.