Problem solved ... why does everyone insist on short cutting important steps to try to get rich quick?

On the other hand, if you intend to buy and hold the #s may make more sense for you.To your main question, there are lenders, but every one I know is going to insist on being in "first position" (i.e., being a first mortgage).

They still insisted that they were soft, but I ended up changing companies, because I was trying really hard to keep up my score for financing purposes.1 inquiry won't effect your score, but if you have several hard pulls you can definitely loose points and it can hurt you

Insisting on renewing leases seems like stress on a tenant with little to gain.

Here it is usually prohibited in rental properties - fire marshall will insist it be removed.

Then of course if they insist on applying, run the credit and background check on all adults.  

He seemed to insist it is worth much more.

I would also insist on signed estoppel agreements from all the current tenants that in a paragraph describes the fee and they sign that it meets their understanding of what they were charged.

Yet they insist this is what the market is dictating which I personally am not satisfied with.I want to find some wholesalers that are moving deals.

So the bank may insist of 5% vacancy and I may put 3% into my spreadsheet, but this property for example has not had a month of vacancy in over 10 years.As for the expenses, they are low because I separate regular maintenance from capital improvements.