Being kind and generous will only cost you money not to mention heart ache.

Everyone can eliminate fear by getting educated. 

The conventional loan product can help eliminate sellers concerns while still keeping a low down payment.3) I would just compare your rents versus market rents.

Just eliminating some perks for the folks that don't play ball. 

Some may just eliminate the entire PPP for additional points at closing.

The 20k for rehab does not have to go through ugh title/escrow company.If after rehab Appraiser shows 125 as ARV.Bank would be willing to refinance at 75% of 125 which is $93.75kAt the refinance closing the Bank will need to issue a check/wire/ach to pay original loan.

The March report on the Array deal said that distributions were processed on April 28 and it takes 3-5 business days for us to receive the ACH in our bank accounts.

Eliminate debt, establish a budget, and save.

On 4 it is $12,000/year.  3.3% depreciation is similar numbers - usually almost eliminating all your taxable income from financed properties after repairs and maintenance is factored in. 

Include copies of the cashed checks/ACH payments for the payments they say you did not make. 3.