I am on the fence with the “optional” mentor program that offers more resources than spoken about on here, but even if I did and my first acquisition fee covered just that, it would be worth the investment. we do not know here whether or not the nay sayer here utilized all of the resources or not. 

They were fine with my score (about 740), but have issue with the percentage of personal credit I am utilizing, so that discussion also petered out.Apparently, I have a lending profile right now, that is not attractive to mainstream lending programs.Any advice?

That's three months of mortgage and utilities, the cost of flooring, and the cost of painting.

Gave him 10 months free space rent and paid for all his utility hookups. 

Quote from @Elisabeth Lernhardt: Today I found out, that some of the utilities were not in the tenants name!

There are actually THREE kinds of subject to transactions1- subject to existing mortgage without lender approval2- subject to existing mortgage WITH lender approval3- subject to existing mortgage as part of a seller financed wrap around mortgage.with #1 and #3 it’s in everyone’s interest to utilize a third party servicer, who collects and then distributes payments.  

Need more information surrounding why your current lender is suggesting they cannot utilize the rental income on your investment property.

I think TN forgot these people are coined "Digital Nomads" for a reason, there nomadic as in readily relocate.

And via the clustering we are utilizing green-space in a communal manner thus reducing foot-print of that BUT retaining such perception as each unit has walkout to what seems a BIG green space.

I have also utilized owner financing for longer periods of time, including personal residence and 2 barrier island houses on the coast of Florida.