Since your lender requires prior experience building and selling/refinancing a single-family residence (SFR) on your own property, you may need to adjust your approach.

Give them a short, professional notice and move on.Second, I don't think a specific form is required in Massachusetts.

If you ask the manager to justify a fee and he starts hemming and hawing, move on or require them to remove the fee.

If the property requires rehab, the Realtor and/ or Mortgage Broker will suggest applying, for a FHA 203k Loan.

Not many people dig too deep on the actual requirements so kudos to you.

Fix and Flips require Money(and or atleast reputation).If you are in a bad financial situation, fix and flips may not be possible for you(especially if you have no experience).

This first property will require about 35k of that 85k.  

Since the payment was deposited into your account on 1/6/2025, it would typically be considered income for 2025, even though the tenant paid it on 12/31/2024.However, if you use cash-basis accounting (which most landlords do), the key factor is when you physically receive the money, not when it was sent or owed.

With no proof required.  

I did do a precursory investigation into what requirements are and it looks like there might be some zoning restrictions, as well as permits required.