@Dani Murai, while I can't give you a name of anyone in your area (I am not from there), when you are interviewing contractors, here are a couple things I have seen:I avoid any contractor that has a draw schedule based on percentages, i.e. 1/3 up front, 1/3 at halfway completed and 1/3 at completion.  

You might be referring to income / expenses that are reflected by cash.Cash you receive from rentsExpenses that you pay out such as insurance, interest, taxes, etc.You may not have included depreciation expense which would bring your taxable income down further.It may be possible that the negative taxable income would bring your taxable income down.

So yes I feel that some type of good faith payment is necessary but if materials are being purchased by you then you can pay a small percentage after that amount of work is done.

If you use different sources it will be difficult to calibrate the different scores, but think of it as a percentage of the max available score.This particular score seems to be based on an applicant's credit history, including payment history, credit utilization, and credit availability. 

.- get into real estate with a lower rate and lesser percentage down payment.

I'm willing to wager a significant percentage of both those groups are pre-approved or pre-qualified but not really approved.

What percentage of sellers are still contributing in some way, do we have data or knowledge of this?

In most cases I have to pay out of pocket every month because rents are not high enough or the property is too expensive.

When you put that in terms of a percentage of your net profit - that is 40% of your net profit going to the PM.

Math doesn't lie, dollars don't lie, percentages do.