I would suggest you up your rate from 8% to 10% to help off-set some of that cost. 10% is doable all day long here in Texas.

Off market deal from a previous listing a year prior.

if you're W2 and full-time, hourly or salary, you should be able to go off your pay stubs for qualifying.

Otherwise, if you already bought the property in your name and use QCD to transfer to LLC it's easy to track.3) Getting properties off your 1040 tax return: once you accumulate enough real estate, for various reasons you may not want the proeprties to appear on your Schedule E.

LOL  I would never take insurance from off shore holy cow..

You are off to a great start with your first one that cash flows. 

They don't require employment verification, income or tax returns.

First off to be clear when using income for these screening purposes its GROSS income (before taxes).

Explain.I really like this question for discussion Venice, but one very major factor left off is at what risk exposure. 

Fees should be clearly stated in writing, easy to understand, and justifiable.