Also, Since my buy box is pretty narrow, even though I’m pretty good at doing the title research myself, I’ll still pull a title report for each one.

If you were only going to net 10k and the fees male you a lose then it was never a good deal.If you keep project costs less than 72.5% of the ARV then no lending can screw you. 

How does rentredi handle late fees?

For example, I mention that every adult must pay a $30 application fee, pass my credit/criminal background, make a combined income of 3x the rent, and whether or not the property accepts pets.

No fees, no pre-pay.

I would add to this account every month, allowing me to pull from it whenever there was a large repair or capex event. 

You will never get the $ back in the fees etc. you are gonna pay with penalties, your returns need to be absurd.

We need to close in 1 week and worst case I may need to buy all cash and refi to a different lender losing my property inspection fee the lender charged.Is this a townhouse or condo?

The fees and rate are generally higher on DSCR loans. 

Cityplace charges flat fee of $60/m for LTR.