. - I asked for 3 months' bank statements and have about 20k liquid- 16 derogatory remarks on credit report- (I feel dumb for even asking considering this)Here is the kicker:- they own a restaurant and already said "How would you feel if there were occasional workers that stayed here?"

My ultimate goal is to potentially refinance down the line to settle everything.Any tips or insights would be greatly appreciated!

Having a broker underwite your loan to your borower will allow you to legally charge above the usury limit just as banks, credit card companies, etc. are allowed to do.Lastly, make damn sure the exit value is real and easily obtainable and that this "rehab estimate of $16k" is accurate.

Any tips or paths on how to do this would be appreciated!  

DSCR 1 ratio will get you best terms depending on your credit and LTV for many lenders who specialize in DSCR loan products which in many cases isn't banks or credit unions as they don't feel as comfortable with the products as conventional loan products. 

If multiple lenders hit my credit report at the same time [during the same week] will it be considered a single credit pull or multiple hits?

Does it look at all 3 credit bureaus?

I listed my home for rent and after 30+ days of reviews and home tours signed a lease on 3/30 with an individual who met my preferences for financial/credit history but could not move in until end of May.

A lot of the time it depends on the actual credit score, the age of your credit, or the inquiries/events shown on your credit report. 

Any tips I should know.