You can use your credit/debit card to pay for Pro

should i get a couple pre paid flip phones? 

Broken down ($1870 origination charges, $690 appraisal, $1350 title service, $416 tax, $484 prepaid insurance, $320 initial escrow, $360 home inspection and title insurance).

Any payments on the balance remaining from the original loan must be included in the debt-to-income ratio calculation for the refinance transaction.Note: Funds received as gifts and used to purchase the property may not be reimbursed with proceeds of the new mortgage loan.The new loan amount can be no more than the actual documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan (subject to the maximum LTV, CLTV, and HCLTV ratios for the cash-out transaction based on the current appraised value).All other cash-out refinance eligibility requirements are met.

It's the best one I found from doing my research and it's free for the landlord as well as for the tenant as long as they pay with a debit card, not a credit card.

I will just cancel my debit card ...

What protections do new owners have from tenants who can falsely say that they prepaid 20 years of leases upfront?

Most banks will give you a checkbook and debit card associated with this new account.

The account would be responsible for all debits or credits regarding the property. 

For the first options it's FHA with DPA and my total cash I need to put upfront is $ $7490 ( down payment, closing costs, prepaid escrow reserves).