We are trying to purchase rental properties to pay for my children's private education.

being hands-on is really what makes a BRRRR work - if you're paying for absolutely everything it just puts more pressure on your deal.

In 2020 the house was 75% done and I had to re appraise the house and get a new loan to pay off all my credit cards, personal loans, etc.

I do pay large down payments to make sure the LTR play still would work if need be, but run them as rent by room (Co-living).

And it goes without saying that the broker should be paying for your time for this because as @Marc Winter made clear it is their job to be showing. 

What would the boss think about the idea of taking that $200k and investing it into a cash flowing property or properties, and using that cash flow to pay for your Crest vacation a couple times a year?

Other than paying the lump sum...

They also mow the lawns, shovel the snow, pay most if not all utilities, and provide most of their own appliances. 

Pic 1 is the interest rate paying 10 percent down and the lender giving us 6 percent in closing cost coverage.

Pay the $800 and get the drainfield inspected and then apply.If they haven't told you to upgrade the tank, then don't upgrade the tank.